Okay, I really don't get what this guy is complaining about! Does being in debt suck? Yes! Is getting out of it supposed to be some kind of fairy tale or something? Maybe I am just a little more realistic about things. I mean, I did my homework on these people and on debt settlement in general. Nothing happens over night, that is for sure. I get phone calls and letters from my creditors and it took a full year of my being in the program until my first account was settled. But it was settled for 45% of what I originally owed on it! I am... read full review »