Financial Warranty review: Debt consolidation / debt relief

If I could go lower in stars I most definitely would. Due to income loss I got behind on credit card bills and just couldn't catch up so I started looking into debt relief, the company that I found is called financial warranty, I started with financial warranty on 08-16-2019. When I had originally signed up with them they ensured me that I would be taken care of and not to worry about anything at all and stupid me, I trusted what they said. They stated that if any creditors called me not to talk to them and to tell them that I was working with a debt consolidation company and that if I received and paperwork from any of the creditors to send it to them and they would have their legal team look at it. In the 2 years and 1 month they did absolutely nothing, all of the accounts that I had all went to the court and then they told me that my only option as of right now is to claim bankruptcy which I will not do! I then figured it out myself and took care of them without having to consider bankruptcy. So if anyone gets a phone call from a place that's called financial warranty just know that it's a huge scam, you will ultimately pay for them to do absolutely nothing. Don't fall for it. They are nothing but a huge scam! In the time frame that I was with them I spent almost $7, 000.00 that could've gone towards the cards that I owed on.