We suffered with the recession of 08'. We nearly lost our house. We have a previous bankruptcy in our history as well. It is probably discharged. But over the years since I know there are errors and other debts that have popped up that are caught in the web of resold-debt collectors and the dispute process is so entrenched and time consuming I would like to hire someone to help me through it. I see commercials for companies and have also seen some reviews on yelp but I dont want to cold call someplace without knowing about them. Who has used one of these companies before? Did it work? Was it a good or bad experience?