In over 6 months I have not had 1 negotiation and ...

In over 6 months I have not had 1 negotiation and have stuck to my end of the bargain . over 10% of my debt already in the "trust". When I emailed my concern , the reply was like they could care less and offered me to "opt out any time". They made me default on my credit ( when I had a great credit score prior to this process) and assured me within 4-6 months I would have seen a negation. 9 cards have accused astronomically interest and nothing has even been discussed on any negotiation. Due to all the negative effects and not 1 positive one 6 months in , If forced I will not "Opt out" without Legal action .