They told me they would reduce my debt to 50%. But...

They told me they would reduce my debt to 50%. But they never told me the service fee is 25% of the original balance on each credit card before settlement. Imagine most of the creditor won t lower the debt to 50%. If your debt in 1 credit card is $4000, yet 1000 on this single card is their service fee. If they barely negotiate with the creditor to lower your balance from 4000 to 3000. U think u paid 3000 but at the end of the program you would end up paying the 4000 cause they already have 25% from the 4000. And your credit accounts gotta be in delinquency for over 4 months before they can step up. 4 months of delinquency on all your credit cards would drop your credit score to crash. I removed all my credit cards from this program and I myself made the settlement and enter in hardship program to pay them off slowly and my credit started to go back up.