I have been in credit solutions since the summer of 2010 and they've only helped me settle only 1 of 4 accounts. Just like what they wanted i sent them letter notices from the creditors and there was never a call or an email back from CS, almost like if they were ignoring me. Even when i had enough money in my bank account to pay off a card or two. Up until november 2011 they completely stopped charging me, I didn't notice that they stopped charging me up until april/may of this year. I've been trying to contact them since.