I was being sarcastic about it being a luxury. As I understand it these company's basically charge you a fee for dividing up your payments and sending them off to creditors. I think they call it a maintenance fee.
I have a friend who signed up for one of these. They charged him $50/m to divide up his monthly payment to them among 10 different creditors. He could have done this himself for nothing, or in the worst case the cost of 10 stamps. I just don't see where these companies are providing any benefit to the client.
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