We were duped as well. We fell for the advertising and the seemingly supportive sales reps. Being under extreme pressure to settle debt they prey on our fears and financial distress. We were taken for 527 a month for a year. I kept pestering them to settle accounts, but it seemed that this would never end. They had no problem padding the pseudo bank account with our money as they milked it for fees...and oh yes, the settlement fees whenever an account was ultimately settled. I thought we would not get sued. That is when the subpoenas began to appear in the mail box. I spoke to a bankruptcy attorney and he advised me to file for Chapter 7. That resolved the problems and law suits. Also, the debt that was "settled" becomes taxable income that you must report on your taxes!!! Nice little detail that was not mentioned. Be aware of these quick fix companies. They are a scam that prey on the vulnerability of honest American tax payers. DO NOT FALL FOR THE ADS!!! Good Luck to All...and God Bless America!!!

Run like the wind when you see these people coming.. not only is the settled debt taxable income, they don't bother to forward the 1099 until April, claiming they "just got it" (this has happened to me more than once)... that's BS since 1099's have to be postmarked by 1/31. You're better off setting up a separate savings account and settling accounts yourself as you accumulate money... they didn't settle a thing for any less than I could have!