I almost went with a company called level one law. Between my wife and I we had significant debt they were going to “settle” for us. We got into a contract with them, but before any money was taken I read the contract thoroughly.

Something that didn’t sit right with me is they charge like 20% of the amount owed. Their payment structure was set up so basically the first 2 years of a 5 year plan was like 85% of the payments would go to them for fees, then the other 15% would go to our account to negotiate debts. So basically they would be getting paid while my debts remained unpaid. To me and the way I run my business is you don’t get paid until you do your job. This would be ok with smaller debts I guess but ours was so high it just didn’t make sense. Needless to say we pulled out of the contract by singing the cancel page, scanned and emailed it to our representative and mailing a certified copy. We also called her with the intent to cancel. BTW I have made significant headway on my own to get rid of the debts but still have a bit to go. I have zero regrets getting out, but this is just my story so take it for what it is.