The thing to remember is this: if you have creditors/collectors hounding you at present or within the past six months before enrollment, or are behind on debts at the time of enrollment, then you need Platinum Plus! That program provides debt validation work as well as all of the items discussed in the Platinum Program. Platinum Plus includes forcing your creditors to validate the debt. There are certain rules to this that we are experts handling. If they cannot validate your debt under the guidelines we use, then your debt may be voided. Isn’t it work the extra $30 per month to have this feature work for you?