It is a scam! I've already talked to the police about it and have been notified that it is indeed a scam.

Hey, here's the scoop. This is a financial collection agency that proclaims to do debt settlement for you to relieve your debts. Say you have $18 in debt, and they will work with your creditors to pay them $9,000 over monthly payments for the term with $49 a month going to them, and in the end you will pay about $13K back. This really screws up your credit, as debt settlement lowers your credit score the same as a bankruptcy. But this firm is not worried about your credit score. The firm is out of St Petersburg Fla, and their speil says they are licensed by the Dept of Agriculture and Commerce, with their license number TC7238. They have a call back number of 877-870-4737. Their website is www.webnfrc.com  . While we regard them as scammers they operate within the law, but it is not a good deal for those in debt to be suckered into using them. Ask them to take your number off their list.

This is Foresight Financial, a marketing company.  They enroll clients for the National Financial Relief Center (NFRC) whose company is at the web address mentioned above.  They are not a scam, rather a company that provides a bankruptcy alternative service known as debt settlement.  

Their services may not be for everyone.  For example, if you can afford paying your bills on time, aren't financially struggling and are able to pay more than the minimum payment each month a debt settlement program is probably not your best option.  However, if you are struggling paying your bills or are already in collections debt settlement may be the perfect option for you.

Minimum payments with the creditors are often designed to keep you in debt for 30 or more years, and this can both negatively affect your credit, your lifestyle, your retirement and so much more.  This won't necessarily "ruin" your credit score like mentioned above, as it really depends on your credit score right now.  If you are already behind, in collections, etc. it would likely benefit your credit.  Again if you are having no problems with your bills and your credit is good obviously a plan like this would hurt it.  Like i mentioned before it may not be for everyone, but depending on your personal situation it may be able to greatly benefit you.

Is it not interesting that "Mike" is saying they are this "marketing company", It seems "Mike works for the scammer himself!

You must be f***ing  joking [***]