Biggest mistake of my life was enrolling with this scam company. They are taking advantage of people in a desperate situation, telling them what they want to hear just to enroll them. The creditor calls do not stop. The "negotiating" they do is mainly with you to stop complaining about their inactivity. It would be more productive and cheaper to negotiate with your creditors directly. Most companies have collection guideline they follow based on aging, they don't do anything special when dealing this company. This company is simply playing the same waiting game you would have to in order to settle the debt. Between Debt Settlements fee and interest added and late fees based on the "advise" of Debt Settlement to stop paying on my bills, I ended up paying more to settle my debt.