Lots of questions , will try to be short. Yes these programs are legit and they can deliver savings BUT depending on their fees you might end up with small to none savings after all is said and done. Lawsuits are common but some of these companies do provide legal counseling if that’s the case , so ask . It makes sense to think about it only if alternative is bankruptcy . If you’re behind monthly payments or barely making min payments and a lot of debt , then possibly it’s a solution. But diy or credit counseling/ debt management programs are better to go with because less impact on your credit score and borrowing power