recently i had dive into finance issue with payment , i found https://finfixer.my as they say they can fix most of my problem had anyone encounter such agent ?

1) my house and creditcard payment is way over due .
2) should i approach AKPK for help.
3) there's also this bnm guy contact me saying he can help to stop the interest from rolling.
4) is this finfixer company trustworthy ?
5) currently i looking at some credit card that is giving interest free for a few month should i do a credit transfer ?