They are rip offs. You're better off resolving the issues on your own. The money you would pay Debt settlement, you can use to pay off a creditor. They're not helpful My account went to the city marshal. I tried calling debt settlemeent about this. My negotiator never called me. I threaten to request a refund. Then I heard from a amanger. He gave me the number to one of the lawyers. He was no help. Fianally my negotiator called me and advise me to go along with the judgemwent. I would pay on a monthly basis to the marshal. There was nothing they could do. I thought by paying Debt Settlement, they would help me avoid this type of situation. I guess not. Stay away from Debt Settlenmnt USA.
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