I am having the same problem as well. I pay 171.00 a month which I thought was going into an escrow acct, but I came to find out that they are taking 140.00 for their fees and 31.00 is actually going into the acct. I feel that that is total bs and a person will never be out of debt at that rate. Its better to just call the source of your debt and they can actually help you settle your own debt! I owe sears a little over 5000.00 and after I spoke with one of the reps all I have to pay is 2600.000. I was paying that in fees to Persel...My advice, dont get caught up with them, bad for business! read full review »