A friend of mine who knew that I had enrolled in a debt settlement plan recently asked me about my experience. I told him about CRV in Plano, Tx and what to expect. He later called me and told me that he was leary due to all of the things he read online. After reading these comments myself, I thought I should post a comment too. I enrolled about 3 years ago after years of struggling with debt and getting nowhere because of the interest charges. I was actually able to finish my program a few months early because I paid a little extra once in a while. All of my accounts were settled just as they said they would be and I saved over $10,000. I am disappointed in the people who feel the need to post nasty comments about something that either they personally don't understand or need. If you get a piece of mail you dont need, throw it away! Some people who could definitely benefit from programs like this will not get the help they need because all they read is negative and no positive. Getting out of debt is not magic and it does take a little time and patience but was it worth saving $10,000 over 3 years to me? YES! Was my credit affected, Yes, but once I had the debt settled, I actually saw my credit score go higher than it was before I started because once I got rid of the high montly credit card payments and all of the balances, I actually could manage my expenses and my DTI was no longer out of balance. I hope other people with positive outcomes will also post.