Hi mickeyis36,
Yeah, that is the biggest problem with debt settlement companies. They tell you "don't worry, don't worry, as long as we are in contact with the creditor it'll all be ok" (and that's IF they actually keep in touch with the creditor) but then if/when you get a summons, the word switches to "you're on your own with this one, shall we remove this creditor from your list?" They won't represent you in court, they won't even help you at all with advice on how to respond to the court and what do when you get to court; they just drop you like a hot potato. You really should have gone to court on those, they got default judgments because you failed to appear. Or did you appear and lose? If so, what did you present to them in your defense?
You end up with one of these companies because you are trying to do the right thing and not file for bankruptcy, and then you end up having to file bankruptcy anyway.
If you are going to file BK, it's best to have a decently clean credit report beforehand, so that way your credit score will recover faster. It's not as easy when you have the long space of not paying and going into default before you file.
It's sad

when the people that swear they're there to help you (for a handsome fee, of course!) only make matters worse for you.

Teamrn, I'm sure YOU would've been better off with that $10k. It's just disgusting...
I wish you all the best. And welcome to the Community, I hope you register and stick around.
chrys