I found Mike online because something looked kind of weird in the bills I was getting. I didn't think I had a case but he was offering to look at my documents for free, so, nothing to lose. It turned out that I DID have a case and he ended up getting my debt erased, my credit report fixed. and a cash settlement. And, I got to keep the merchandise I had bought! I paid nothing - it was all on contingency. WE Won!Anonymous, Alameda County, CA