Has anyone used ZipDebt, Charles Phelan's debt settlement program?

Tips and Deals Forums Debt Management Debt Management Has anyone used ZipDebt, Charles Phelan's debt settlement program?

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      Anonymous
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      I am looking into debt settlement and I am leery of the fees and ethics of the various companies that are out there. I find mixed reviews on all of the larger ones. Anyway, Charles Phelan’s do it yourself plan is intriguing and other people have reported here that they have been able to settle their own debts with their creditors. I feel that I need some guidance but I also want to feel ultimately responsible for and empowered during the process, so the ZipDebt program SOUNDS like the best option but I’d like feedback from anyone who has used it.

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