Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
Here is a link to the U.S. Bankruptcy Trustee list of certified credit counseling and debt education services in the USA: http://www.usdoj.gov/ust/eo/bapcpa/ccde/.
I do not find either of the organizations to which you refer on the Trustee's list. This doesn't mean that there is a problem with either organization. But, if it were me, I would want the certification of the federal court system, because it would tend to legitimize my business organization.
That said, what does a debt settlement organization offer that an ordinary bankruptcy filing does not? Before you sign up with a debt settlement organization, you may want to consider contacting a local bankruptcy attorney and asking what he/she can do for you.
For a referral, see: http://www.abanet.org/legalservices/lris/directory/main.cfm?id=TX and http://www.martindale.com/.
Hope this helps.
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