The BBB is not a reliable source of Information on these type of Companies.
Nationwide will actually be better for your Credit Score in the long run, Because your paying off that debt in such a short period of time, and it doesn't show on your report as "Negotiated".
I used them to help me get out of a 20k amount that I was drownding under.
I had full controll over my money the whole time. They literally disclosed EVVVVERYTHING.
and when I was done with the program my Credit Score had actually gone up with in 6 months.
I was very very pleased with the customer service and more than satisfied with the end results.