"How do they get distressed people to pay the 29.95 and what keeps them paying 29.95? "
Charlie, the companies business is not hard to figure out. Clients sign up for debt reduction for $29.95 and Ideal negotiates with creditors to lower payments. It is well worth it because they will save you more than the cost of the service every month. I used a similar service years ago and saved over $300 a month in interest payments. Well worth it.
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