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Did you know that alot of what collection agents do are unlawful and illegal? Did you know that alot of your charged off debt can be removed by a simple letter depending how long it has been charged off and other debt can be reduced by making a settlement offer? And we at JMStoker Debt services can help. We are not a debt consolidation company and we are not attorney's. We just simply know how to deal with collector and want to help you get out of debt. We can even teach you how to do the same. Yes there are some fees involved for our service's based on how many letters are needed and what we have to do to get rid of your debt. The inital fee is $40 to get started which includes upto the first 2 letters we may need to write and a copy of your credit report (you have the option to furnish a copy of instead of credit report if you so choose). We guarantee that you will never have to pay us more than $200 for this service so for more info please respond to this blog or call Ph: 318-796-3175 cell: 318-315-7751 Jeff & Mary