Credit Union Loan
Did you researched on the settlement companies before selecting one? If yes, then you should have an idea about the fee structure and you can decide whether or not they're taking more.
The experts say that the settlement companies have better negotiation skills to convince the creditors.
However, talk to your settlement company before making any decision.
The settlement companies are supposed to charge the fees after a debt is settled. They can't charge upfront fees.
If your debts are still not settled, then the settlement company can't charge you upfront fees. If you are not satisfied with the settlement result, then you can consider the do-it-yourself settlement by talking with the credit union. Also don't forget to tell them that you can't payoff the entire debt. If they reduce the debt amount, then you can pay off. Try to convince by explaining your financial hardship.
Yes, you can contact credit union for settling your debts. But I would suggest you to first have a talk with FDR. If you are having issues with their fees structure, talk to them openly. I hope they'll come to a solution. If they can't help you out, you can leave their settlement program at any point of time.