Some things came off my credit but the big ones did not. I ended up declaring bankruptcy chapter 13 because they kept raising my monthly fee. And it took them a long time to negotiate my debt and when they did some credit card companies already filed suit against me. I had to let there "attorneys" take care of it and I ended up paying more for each of those credit cards then I started out with. I started with them in July 2016 due to a fall I had at work and was on workers compensation. They said they could get everything paid off in five years; no way that would have ever happened.