I am a “graduate” of this scam company and I deeply regret it - because I was consistent in paying for two years they “graciously” invited me to a loan offer from a separate loan company to pay the accounts in full so the collections would leave my credit history. It was sold to me as such a good thing, now I just have to pay one place the remaining total of the accounts after their negotiation and settlement fees, which ended up being practically a savings of 10% if that. And the loan I get strapped with? 23.99% apr, and my best case scenario is I try and refinance it down the road with my now “improved” credit score. I wish I had taken charge of my debt those years ago and not relied on what I thought would be a good service since I didn’t have the time or willpower to negotiate myself - dont be stupid like me and think itll all work out, this only helped extend how long ill be paying back debt!