its funny how people believe everything a debt collector tells them (u forget debt collection is a filthy business & debt collectors work on salary and commission and they are trained to say things like, that company never contact us ...or you'll go to jail if you do not pay ...or will take your cars and home away if you don't pay) ... ...that's where people make their first mistake...
their second mistake is moving to fast with a debt settlement company, people you got to slow down and research research research...look heavily into accreditation and ratings and try doing a search of the company with the world scam or rip off next to it etc... you'll be surprised what you might learn...that's all i got to say ... i don't work for debt settlement USA but i hated when a company as such gives good settlement company a bad name or even worse when a half ### none educated customer comes along and cry's foul for his own lack of understanding of how things work, like, being ignorant to all of the disclaimers and quickly nodding & brushing vital information aside without writing a single thing or looking into a single thing...