I will say this, when things got really out of control due to a cancer diagnosis and the domino affect it had, it was a relief to have all the phone calls, letters etc, handled by FDR and sure sounded good at the time. I will say their customer service has always been wonderful. However I'm now 2 years into the program, according to my Dashboard, I've paid a little over 8K in deposits to FDR, out of the 8K, $4409 has been paid towards FDR settlement fees. Now that just the settlement fees. I also for some reason pay 2 separate monthly fees of $12.00 and $9.95 which adding that all together is close to 5K and I'm not looking like I'm even half way there n paying any of these creditors off. So to simplify, 800K I've paid in, 5000K in fees, leaves $3K going to my 20K debt in 2 years. Just knows the facts before you sign up, I think I was desperate at the time and now I'm finally looking at the "big picture". Other options aren't always feasible, I know but just be prepared for a lengthy and overall more costly process.