Reliance INC

I am talking with Relianc INC out of Lake Wood, FL. Has anyone had any experience with them? I am looking at a debt settlement with them, to get rid of about $90,000 in cc debt. I will have a lump sum of $20,000 for my settlements (loan from my dad), and then I will be on a payment plan. They charge 10% of the total debt. They are telling me because I have a lump sum to immediately pay the cards, that they should be able to negotiate a pay-off about .20 on the dollar. I will be making monthly payments into a new checking account that I set up, and they will have no access to my account. Once they come to a settlement with a cc company and I get the settlement letter from the cc company, I then pay them directly out of my account.....I maintain full control of my account at all times, so I know the cc company is getting the money. Again, any feedback from anyone here is greatly appreciated.

Thanks.