Even seasoned veterans working in financial affairs who get in a position where they need to dispute their credit card(s) should consult with these people. Never, have we had the kind of backstop that this group gives when one is treading territory where he/she has not gone before. This group defines limits and outer boundaries of consumer rights in such a way as to help preserve one's dignity and yet come to a doable, legal, satisfactory conclusion to their root credit problems. Shielded Circle works with clients of all ages and their credit experts can tell what pressures clients face and when they face them---to the extent that my wife and I are satisfied we have a customized plan to our debt management. If you are having trouble sleeping and secretly thinking you are going to have to turn to bankruptcy soon, call them or visit their website and have a chat. We will vouch for them. They are great. Signed, Ray of Illinois.