has anyone heard of Gimel Marketing?

a friend used them past year, they covered his personal credit card debt but now you pay installments on a new credit card with lower interests.

My friend thought they were partners of the bank hence signed up. Now he pays monthly installments but to random companies on the statements. I've googled them but not much info except their FB page. Are they illegal, ah longs?
What happens if you are unable to pay the monthly installments?