Achieve is a Scam
Run the other way! Go with a Non Profit DMP that is certified with the NFCC such as Greenpath or MMI. Achieve is For Profit and will screw you with fees. We have been with Achieve for 1 year. They settled with 2 creditors and were "strategically waiting" to negotiate with 3 more. In the mean time we get a Court Summons for one of the creditors that Achieve was "strategically waiting" to negotiate with. Since Achieve settled with 2 creditors there is no money in escrow to deal with the creditors who sent the court summons. So Achieve "kindly"offers us a loan at 26% interest so that the lawyers can deal with the court summons and deal with the rest of the debt. The monthly payment is outrageous at 26% Interest and a Much higher monthly payment than we initially were paying and once all is done we would be paying the same as what we initially owed it debt. Achieve negotiates down the debt and then the exorbitant fees make up the difference and you end up paying the same as the original debt! Achieve strategy is to use panic over the lawsuit so that we will sign a high interest loan. This was obviously the plan all along with there "strategic waiting" to negotiate with certain creditors, knowing that this would happen and then force us into a high interest loan. Achieve is no better than the credit card companies. Achieve is trying to strong arm with scare tactics to take the high interest loan because of the court summons. We should have known better especially when we had to sign a Class Action Lawsuit Waiver, but all their reviews are so good. It is all BS. Do Not Sign with Achieve or any other For Profit Debt Management Program!