This company told us we would be debt free in 1.5 years. We kept paying and paying and all of our money appeared to be going to fees, instead of a certain percentage. My largest debt was in the neighborhood of 32k and I ended up having to take that debt out of the program because I settled with the creditor independently. Toward the end we checked our escrow balance and it reported in the negative, even though, by our estimation it should have been several thousand dollars. We called them on it and had to push and push for week... read full review »