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I know I've asked these questions before, however....For those of you that are doing debt settlement can you tell me how long your programs are? How far past due were you when you entered your program? How bad have the collection calls been?

We are in a dmp, however the payments are killing us. I entered the DMP primarly to get help with the PDLs, however...most of them would not work with the plan and I've ended up paying them all, I make my last payment next Friday. So the credit cards are left. We have about $23,000 in credit cards and unsecured loans. I know from other posts that it takes a while to get sued in most cases, we just don't know what to do anymore....Reny

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