My husband and I had always used credit cards. We tried to consolidate our debts into one loan but didn’t work out for the best. So we started spending on our credit cards and then we faced serious financial problems. We didn’t ‘t know how 4 Collections could help, but we found their staff extremely helpful. Less than five weeks later, we entered into a joint arrangement which will last for five years. Now we are paying back an amount that we can afford monthly, and we have enough to pay our bills and enjoy life!