Im usure of why some people choose to use companies that take upfront fees. I personally did not use this company and im not sure if they are a scam or not, but I will tell you this. I used a settlement company that does not take upfront fees.
I couldnt have afforded it even if i wanted to.
second of all, everyone needs to know the facts about settlement. read up on it before you join. These are the facts:
It will take several months to settle your accounts i was at almost a year with 0 settlements and had 3 all in the same month. if you do get a settlement within 6 months you should feel lucky.
no company can promise you a certain time frame or dollar amount on settlements. This is why they call it settlement they negotiate or atleast they are suppost to what you will pay to settle the account paid in full.
No company can promise to keep you from lawsuits
No company can promise that the collectors will never call you. Some few random ones will every now and again. It will reduce them, and handled properly they usually stop, but they can still call you.
No company can promise a time frame. If you sign up for 2 years you may not be done in 2 years depending on how you handle the situation you may not have to pay into the account but negotiations may not be done.
Im sure there are more but these are some of the few things off the top of my head. debt settlement is a great way to get out of debt, but it surly is not easy. And once you are sure you got a good company you need to make a commitment to the program or a commitment to yourself if you are doing it on your own. This is a tough road and most people think it is easy and it is not. Be prepared is key. Know the facts and stick with it. Reading these posts tells me that people are not finding out the facts on debt settlement.