One of the worst services I've ever encountered. I...

One of the worst services I've ever encountered. I signed up when I realized that it was difficult just making min payments every month was not lowering my debt significantly. I thought this would help me pay back without using bankcruptcy. What this didnt make clear is that this was almost as bad as bankruptcy. They ask you to let the debt accrue fees astronomically as a "bargaining" technique. This doesnt always work and I ended up having to pay an extra 2 thousand dollars to Wells Fargo in addition to all the court fees I had to pay and legal counsel fees they offered. They did try to settle for leas but they wanted me to be able to pay an additional 600$ a month for 6 months on top of the $400 a month i already deposit. If I had that money, i wouldnt be in this problem in the first place. I ended up settling by myself with one of the smaller debt and finished it off quickly. Your best bet is to call all your own debtors and just do this process yourself. This was one of the biggest mistakes i have ever made and my credit is still recovering. Please dont use it if you have any other option