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Don't mean to be a newbie but what is the snowball calc?

It's an Excel spreadsheet that helps you calculate how much to send each of your creditors based upon the interest rates and minimum payments. I'd be happy to send you a copy if you e-mail me at

As far as that debt plan is is obviously unethical and there is no guarantee that they'll be able to remove the derogatory information. That whole plan is contingent upon the creditors being willing to deal with these people. What are they charging for this service? 10% or more?

Any unremoved derogatory information would be there for 7 years.

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