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They are legitimate in that they are a business, but they are not at all recommended. The Better Business Bureau rates them as an "F" grade and notes 36 complaints reported by consumers to them against Jensen, most having to do with their services, 2 of which went unresolved by the company. The reviews online from people that have used them are equally as poor - people saying the company took thousands of dollars from them and breached the terms of the agreement, left them worse off than before, etc.
To be honest, you can talk to your creditors yourself and try to work out an agreement. Creditors do not want to have to send your account into collections and risk not getting paid, and they certainly don't want to risk you filing bankruptcy and not getting paid at all. So, they are typically willing to work with consumers -reducing or freezing your interest, for example.
If you feel like you need the services of a credit counselor, talk to the National Federation for Credit Counseling, and they should be able to assist you further.
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