From the start they don't explain the…
From the start they don't explain the process well. Then they make it look like they are making great settlements. However, your account is just accruing interest and everything goes into default. So the amount "saved" in these "great" settlements are the interest that is accrued while your credit score goes down. I have tracked it all in a spreadsheet and it is just ridiculous. I will NEVER recommend this program.