The CSG representative, John Hughes, knew all of my credit cards totals plus credit card numbers. He explained as a senior citizen I was not required to make high-interest payments from my SS or SSDI funds. I agreed, and asked if the service was free. The representative explained the fee was only a small percent of the total amount I owed to the Credit Card Companies. The fee started at $7,499. Then reduced it to $5,499. I refused. Finally, the cost became $3,499. I was still skeptical. | After additional calls from Ann Marie Grant, I realized it was a Scam. I changed all of my credit card accounts and refused to pay anything. Now I am getting threatening phone calls.