I had a year with the program, the monthly payment...

I had a year with the program, the monthly payment was affordable but not enough to build enough funds to cover other creditors, so pretty much they only settle one account, then they offered a loan thru Liberty Lending to rush payments for the rest of my debt. I will have to start over to pay the loan, I am pretty sure I will end up paying the same amount I owe in the beginning but I have no other options.
Customer Service is good but all those fees build up, not all fees are explained in the enrollment call, I noticed that when they charge me 23% of the initial debt for each account.
Is a good program but I think you can work better/pay less and faster with the creditor itself.