Debtnirvana.com Consumer Reports and Warning Signs

That’s fair. Transparency would solve most of this debate. Clear validation processes, published complaint resolution stats, and regulator disclosures would calm a lot of concerns. The silence is what keeps fueling speculation.
 
Appreciate all the perspectives here. I’m not drawing conclusions, but the range of reactions alone tells me this is something people should approach slowly and with eyes open. That was the goal of starting the thread.
 
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