debt settlement company

It depends on how long you have been making payments. In the FINE print it should give timetables of cancellation and repayment of that months' payment, but not all payments you have made. That's the problem with these settlement companies, they tahe all of there fees in the first year to tear and a half and then you begin to see your savings only to hope they push the companies to come up with some good offers, and then it will take 4-7yrs to rebuild the damage from all of those settlements. It's a shame how they get us sucked in to thinking they can do things we can't do for ourselves, especially after the credit damage is done. Unless you can prove gross negligence by the company not performing the stated services.