I’m a bill collector for 10 years now. I’ve had 1000′s of people who have chosen to go with settlement companies. Some are legit, and some I’ve heard kept the money people have accumulated and not settled any debt, and also refused to send the money back to the customer. Like anything else, buyer beware! Do a full backround check with BBB with whomever you choose. Read their terms carefully, as well. I don’t know who or what type of bill you owe, however, I suggest settling with your creditors yourself. Settlement companies can’ t protect you from lawsuits, accruing interest or other charges. Basically they don’t care about that, it’s just a matter of getting around to your settlement when you have enough $ and if not there’s nothing they can really do for you in terms of protecting you legally. Their ‘power of attorney’ does not do much to help you except to direct all collection calls to them, not you. If a creditor is going to sue, they’ll sue irregardless of debt settlement companies involvement. If you live in a ‘wage garnishment’ state also be aware. Your state laws in regard to owed debt means the difference between lawsuits and liens, or protection from them.