Otto E. Berges

About 10 months ago, Legal Guardian Center took over my account from a company that went out of business( a debt settlement organization specializing in settling credit card debt at a reduced amount). This company gave me excellent service and communicated with me very well in a professional & courte...ous manner. When LGC took over the account, I was under the impression that they also were a debt settlement company. It was only recently that I learned that they are a debt dismissal company instead, headed by Otto Berges. I still do not understand how debts are dismissed & have never received any legal advice from Mr. Berges. In fact , I have never received anything by mail until recently which was advice on paying taxes on forgiven debt (which my CPA is handling for me anyway.) I am also suspicious due to several complaints from the BBB against LGC plus the fact that LGC is not a member of the BBB. LGC does not guarantee anything. What are they doing for me ? Why have I received no legal advice? Am I paying them for nothing? I am a senior citizen with extreme financial stress & very concerned about the high payments to LGC. I am trying to do what is right but have little confidence in your services. Now is your opportunity to reassure me of something positive & prove to me that you are working in my best interests.