Company calls a lot and wants to challenge you! Give them this website about how poor people are in worst debt thanks to their program! Do your research before a company like theirs takes you to the cleaners!
http://www.debtconsolidationcare.com/settlement/hasslawgroup-1.html "If your seriously in trouble, you can call your credit card company for free, they most likely will be willing to work with you to set up a payment plan, reduce interest, or in some cases, they may offer to forgive part of your debt after you pay part of it. They would much rather write off half of your debt than all your debt."