Anyone ever use everest debt solutions?

hello. Two months ago my husband and I signed up for everest debt solutions. At this point we've made two payments totalling about $800. We were under the impression that we didn't qualify for chapter 7 bankruptcy and didn't see the point in filing chapter 13 and still paying. Thought the debt solutions was a good solution.
Now we find out we qualify for chapter 7 and have met with a lawyer. I contacted everest and was hung up when told I wanted to cancel and a refund! I couldn't believe these nice people who I had talked to at first hung up on me! I then followed their guidelines and emailed the refund and cancellation department.
Has anyone else ever used everest and dealt with similair situations?
Also what's the negatives to filing bankruptcy? I know we won't be able to get loans very well after (which is fine don't want to rack up more debt) or refinance our house. And it's bad on our credit score. But at this point we are way past due, over the limit and most accounts closed for our credit cards.