They take my money up front and then nothing happens. I have been informed by the creditors that negociations are not correct. They then tell me that I cannot keep more than one credit card off the program to use or it dosent work. If i had back the money I have paid them I could have paid off some of the cards. My attorney tells me that I am being riped off and that I need to stop this now and get all of my money back
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