Paid a monthly fee of $472 with $375 going for up front fees, which I didn't even know was coming out each month. I thought that debts were getting settled. After they took approx. $6, 000, Their service started to fall off. Then, in Sept, 2010, they did not answer my calls or emails. They just dropped out of sight. I can't get in touch with them at all. I still have unsettled accounts. I am not sure if they even contacted my accounts.