Look, let's be real here. According to the Internet, EVERYONE is a SCAM or rip-off. Every single business out there is made to rip you off and advises you to not pay someone else to do something you can do yourself. In fact, I have read on the Internet where it says that Jesus is a scam. I mean, come on, let's get real. There are good cops and bad cops. Good doctors and bad doctors. Good politicians and.... well, I don't know about that one.
My point is this, the best part of the Internet is that people can vent and express themselves. The bad part is people can vent and express themselves and express themselves and EVERYONE is a "victim". We give too much power to people behind a keyboard who make comments that are not always truthful.
People will tell you not to pay a mechanic to fix your brakes because you can do it yourself. But can you? And, if you do, can you trust that you did it right? Or do you have the time to do it?
Enough of the "do it yourself" talk, we ALL can pull our own teeth when we have a cavity and we all can get up on the roof and replace the roof if we need a new one but not everyone can do it right or has the time.
Stop pretending to be a "victim" and either pay someone to do it or do it yourself. But don't pound on the people who you pay to do a service because things are not perfect. No system and no person is perfect. Debt settlement companies are a good thing if you are aligned with the right company. Not everyone is a scam. Cowboy up and stop being such a big baby and stop crying "victim" because YOU got yourself into crazy debt and now do not know what to do. YOU got yourself into YOUR mess.
That is my 2 cents, for all it is worth.