Persels & Associates are complete scammers. They did not settle one debt while I was in consolidation. They negotiated with no one because I even got a judgment against me while I was paying them fees on top of fees to avoid that very outcome! When they did nothing but take my money and offer me nothing in return, I opted to file bankruptcy through one of their referred attorneys. After they took out the fees, the lawyer they put me in contact with decided to retire and drop my case. Then P & A dropped me as a client. Now they say my account is "settled", and they have no idea where my escrowed funds went. This was after they told me it would be 10 to 14 days for me to get my money back.
AVOID AT ALL COSTS. Do not trust their BBB rating. For-profit credit counseling and debt consolidation companies are, without a doubt, COMPLETE CON ARTISTS. Persels & Associates is no exception. You will regret ever dealing with them. And you will be paying out your hard-earned money for nothing. You might as well take that money and file for bankruptcy right up front. You have been forewarned.