I'm sure it works for some people, but with me the...

I'm sure it works for some people, but with me their confusion made things worse. I started up with them, paid my first payment. I was told to drop all communication with the credit companies and let them handle the negotiations once my accounts were behind. I did join this prior to my accounts collapsing because I knew it was inevitable. About a month later I was told that one of my loans was a secured loan, which we had talked about previously and came to the conclusion at the time that it was not. So okay, after they took that loan off the account with them, they then informed me that I didn't have enough debt to be enrolled. So at this point I had purposely stopped making payments and my accounts were way behind. Well to this day I'm still behind on these accounts now with no way to catch up. Thanks a lot.