Right now I am pretty dissatisfied with this compa...

Right now I am pretty dissatisfied with this company. They will tell you that they are usually able to cut your debt in half. Has never happened ever with any of my debtors. They will take there 20% off the top for each deal they negotiate to make sure they get paid in case you cancel on them. They will tell you that it could happen but you are unlikely to be sued. I've been sued twice and then they charge you an additional $200 to answer the summons. They will tell you that there may be tax consequences but a lot of creditors don't bother. I have received a 1099-C - Cancellation of Debt from all the creditors that were settled. It counts as income and caused my taxes to go up $4000 so now I have to make an installment plan with the IRS. They never sent me the stipulation agreement to sign with one of my creditors, and, I have to go to court to prevent a summary judgement even though the creditor has been paid for 9 straight months. If they had done their due diligence, this would not have happened.