So, I stumbled upon this company promising to help with my credit card debt. They pitched it as a personal loan to pay off everything at once, sounded legit at first. But turns out, it's more of a debt relief scheme. They suggested I stop paying my credit cards and start sending money their way instead. Meanwhile, my debts and interest kept piling up as they claimed to negotiate with lenders. No guarantees, though. After six months of this, they vanished, taking all the money I'd sent them. Honestly, it felt like a total scam, leaving me in a worse spot than before. Be careful out there, folks.