Ive heard about the money make over and consolidation of debit and went to office to check it out.
They told me they for sure would be able to help. After a second visit and 2 weeks of wait, Ive received a call that I would not qualify because of amount of debt. (Which they knew since the beginning, what it was).
Overall, I lost 16 points on my credit score after this inquire and got nothing at all.
I would really recommend to think before applying there. It can be cost u a lot.