As mentioned in previous posts, I have a big goal of being debt free. Due to this I do some web searching from time to time, and today I want to tell you about a web site that says their goal is to help you stop debt. The goal of this company is to help you reduce your credit debt.   They deal with debt from credit cards, medical bills, unsecured loans, unsecured personal line of credit, collections, unsecured personal loans, and retail store credit cards. In today’s failing economy, these type of solutions may be best for many people who will soon realize they are living above their means. Even those that have lived ok, but from paycheck to paycheck, may soon find themselves in a bind with rising gas prices. However, please be aware that ACA does charge a setup fee and 29% of what they save you so this is not for those that are only in a little trouble. This would be a program for people who are really sinking under the amount of debt they are in.  If this describes you, you may want to consider, ACA.  They offer free consultations so if you think it might be helpful to you, you can call them and see what they have to say and make a decision from there.