The worst
I have paid 86% of my total agreed to amount, and they have settled 42% of debt that was signed up with them. The lawyers they use settle for ridiculous amounts of money - more than you owed originally -I could have done better on my own, in fact in the past I have. I have two separate accounts that have put garnishments on me while I signed up for this service. This was the worst decision and I am trying to figure out how to get out of it.