I started with EDR, when I was living in FL back in 2002 - they had an office in Jacksonville (funny how they moved). I was easily thousands in debt, didn't want to use another debt management company (who was having finacial troubles at the time) nor did I want to go bankrupt. SO I came across EDR they said they could cut my amount in half in what I owed.
So after paying them monthly fees for about a year - to cover attorneys who were fighting in my defense. I get my first court subpoena from a creditor - call EDR - what do I do. Well there is nothing we can do. They will only settle for 100%. Well that was bs I went to court, spoke to the attorney settled for 80%. Strugged that one off.
The next one came and I was PISSED. I settled with them for 60% and EDR was telling me 80% again. I said screw this. I closed my account and became debt free this past year. I was able to settle for a lot less than what EDR was claiming and to boot I HAD TO CALL THEM EVERYTIME FOR AN UPDATE - FOR A SERVICE - THE LEAST I SHOULD GET IS A PHONE CALL OR AN EMAIL WITH AN UPDATE!
EDR is a waste of anyone's time - If your using them STOP - speak to a lawyer - check with the Federal Trade Commision on credit counselors - I bet they are not approved by the government to help debtors. Stay away~
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