I have run into a situation where I lost my good job 2 years ago and have made much less money since. I have about 100K in credit card debt and have employed a thrid party to help but haven't seen much from them in a year. I pay them $830 per month with them keeping $200+ as a fee and the rest going into an account for debt settlement. No accounts have been settled to this point. We've been doing this for a year. Am I doing this the right way?


