They promised an affordable payment. My payment was not affordable. The amount that they estimated I would need to save over four years would never have been enough to pay my creditors. Their staff was not properly trained and were inexperienced. They were severely understaffed, making it impossible to reach them at times. My settlement coached changed constantly. They recommended I apply for a mortgage modification through their company, for which I was denied. That was another $300. They collected $11, 000 in fees up front for which they did nothing. I was being sued by Discover and was forced to file bankruptcy.