This company led us to believe that by using them ...

This company led us to believe that by using them instead of filing for bankruptcy that we would save money and our credit. These statements were both false. We will have paid them just as much money as what we already owed. Yes they may have saved some on what we owed the credit card companies but after adding their fees the amount we are paying is the same as when we started. My credit has dropped at least 70 points, leaving us unable to even use the equity in our home to pay off the debts. Just as acomparison; my sister and her husband filed bankruptcy 2 years ago and have since bought a new car, got new credit cards and refinanced their home with a cash out option because their credit is amore than 100 points higher than mine. I haven't even begun to tell you about the tremendous stress we have endured during this process including work lost do to multiple trips to court. It's been nearly 1 and a half years since we started the program and they still haven't settled all our accounts. I strongly suggest you find an alternative solution for your financial needs. I will never reccomend this company to anyone. We should have settled with the creditors ourselves or filed bankruptcy.