They promised to take care of "everything" so that...

They promised to take care of "everything" so that I would not be caught in the middle. Supposedly, they had professional negotiators who would take care of 100% of everything. They also mentioned when I enrolled (sugar-coating it of course) that it is rare that you get sued, because usually by then, the debt is pretty much paid for or completely negotiated. Well, guess what - I GOT SUED!!! 2 years paying them more than $500.00 a month I get sued for non-payment. They said "No worries, we will take care of everything so you can rest assure" ... blah blah blah, and it turns out I HAD to present in court and hand them a typed letter that cost me $200!!! They had said initially they would do everything to fix the lawsuit. They didn't. I also get a slap in the face with a form C for my taxes, again they also said this would be "uncommon to get," but I got one. So, 2 and a half years into the program I'm still stuck, my fees cannot be negotiated although they have dropped the ball many times. I still have another account UNTOUCHED!! meaning, not negotiated yet! On the only good side is that I finished paying 1 account.

I mean the program works if you're willing to have a 23% of fees charged for negotiated accounts, also if you're willing to get sued and go to court. Oh - or give more a month, I pay $545.21 a month for what was a total debt of $19,000 in 3 accounts, and still they're telling me if I want to negotiate faster, then I have to make bigger payments. Really??

Not only that, I paid one account, which you would think that your payment will go down, right? - Wrong!!! half of those $19,000 were paid already, and my payment is still the same.