Exorbitant fee Exorbitant fee. Nearly 95% of monthly payments that supposed to accumulate to settle debts goes to cover attorney's fee, administrative fees, monthly fee and other misc. fee. They said it will take 9-11 months before they could even attempt to negotiate. Which means it will take that long to accumulate enough money to make an offer to negotiate your debt. Just think only about 5% of your monthly payment goes to accumulate cash for future payments. It's a scam. Read the fine print and ask more questions on the fees. What I find out is, creditors will always try to make deal to collect some money rather lose all. Talk to your creditors, some will offer 0% and reduced monthly payments. While some will offer a lump sum discount of 50%. I bet you can find a better deal than going to debt consolidation scam companies. With so many negative reviews, it would be wise to take the positive reviews with a grind of salt.

DO NOT USE - They just fee you The took 6300 from me and only settled one debt for 700. I called to cancel after 9 months and was told they would only refund me 200. They charge 600 a month in fees. they refuse to give my money back. HORRIBLE COMPANY look at your contract. They state fees are monthly but took them out every two weeks. I tried to resolve the issue and the managers on the escalation team told me to kick rocks. I have to get a lawyer to fight the conflict of interest in my contract.