they settled 1 debt very quicky and got me 75% off...

they settled 1 debt very quicky and got me 75% off the debt...2nd one i didnt get anything off cause i had no extra money...seems to depend on the creditor..it was a credit union so they pretty much want as much as they can get out of u..id recommend them for accounts like credit cards, and bills...but with banks if you dont have extra money, you will have to pay it all back plus fees...