I answered an ad for debt elimination and called for more info, The Program (ResQdebt) gave me a break down on how it works, they will get me debt free in 2 to 3 yrs from three credit card debts totaling $16, 000. My Payments will be $260.00 a month for 42 months for the three cards, and the first six payments are $224.00 which is part of there fees...The six month period is reguired before they can make a settlement to each debter, and there after $260.00 a month for 42 months ...so they said 7 months later and they have just begun to settlement with the first bank...$250.00 is what I have to pay for 42 months and ill be out of debt. I asked about the other 2 cards (same bank) settlement, and they said they have not nogotiated with them yet . I asked whet are you waiting for, and they said that soon as the first one is done ...What happened to the $260.00 they quoted at the beginning for all three credit cards. How much more a month...anyway Im still dealing with these scammers .