He can absolutely talk to creditors on your behalf! He has to get prior permission from you first. He could do this 2 ways. He can get you to sign written permission giving him the access to call on your accounts on your behalf or you can give the creditor verbal authorization once they have verified privacy with you over the phone and you can pass the phone to him and let him work his magic. I've done this many times.
It's funny because creditors seem to talk to their customers as if they aren't knowledgable at all (and will take advantage of their customers too!) and as soon as someone who knows their stuff gets on the phone, they begin to stutter. I always thought that was pretty funny.
As for what he charges - I think it is quite alot, but that's my opinion.
Just ask yourself this question - does this guy have your best interest in mind? (or is he just working for a paycheck?) You want to work with someone who cares about you as a person.
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