Don't do it!! The fees will kill the entire proces...

Don't do it!! The fees will kill the entire process. They will tell you that they told you upfront that they take out 25 to 45% of your debt off the top after the first negotiation is reached. After 7 months, I've paid into the program over $3,500 and only $100 has gone to my creditor. I only have $190 in my account after all the fees. Do your research of how to do it on your own! I made a very bad mistake.