I joined Debt free Financial in January of 2008. I was given the spiel of how they were going to get rid of all my debt and they start working on it as soona s payments are being made, etc.
What a laod of BS! They hide behind ther double talk to get you to ign up. Once they do, tehy take your money and do nothign for you, leaving you to STILL deal with the credit card companies. They tell you that they cannot/will not get in touch with the card companies until they have taken out enough money to "settle" with them (that's if the CC will accept their offers).
After enarly 9 months of them taking my money, I fianlly had to answer BoA, as they called continuosly for a hour and a half. I'm glad I did answer (even though these schmuks would tell you to not answer the phone). Theyw anted to settle, and at a very reasonable offer.
Of coruse, Debt Free nearly f'd that up. I forwarded them all the info and they dragged their a$$es in getting in touch with BoA (I actually ahd to call Debt Free and keep reminding them to get this done) and mossed the deadline. Fortuanately, BoA was still willing to honor the settlement.
With the second card I was using them for, I actually went and settled that on my own, as they were going to file a law suit; and again, I got a good settlement rate.
So, basically, they took my money and did nothing until I forced them to settle with BoA and than i got the hell away from them.