Transform credit legit

[Kadem]

I'm curious about how companies settle other people's debts by creating new ones. For instance, is transform credit legit an option? There's quite a bit of information available online, and the reviews are mixed. It can be challenging to determine whom to trust. On one hand, obtaining a new loan to pay off an old one seems like a logical step. However, is there any potential for unlawful actions on the part of such agencies?