1/31/2011 5:08 PM (PST)

Thank you. I will do that. I am just so amazed that people like them can continue practising with a license.

2/1/2011 9:17 AM (PST)

The most detailed account that I have seen on how to get out of a debt settlement program is posted at www.getoutofdebt.org by credit industry blogger Steve Rhode:

http://getoutofdebt.org/20126/how-to-get-out-of-a-debt-settlement-program-and-get-a-big-refund#

Let us know what you end up doing.

6/4/2011 4:45 AM (PST)

It is truly bad not to live up to the expectations of your existing customers. It is better to go with companies that don't charge any upfront fees. These companies would rather charge a small percentage on the amount that they succeed in saving (for their customers).