What they don't tell you is that while they are working with the credit companies and you are not paying the credit cards for at least 2-3 months, you are racjing up late fees and penalties and your credit is shot. This is not a fair solution to your problems especially if your credit is not that bad.
It would be best if you continue to pay the least amount needed to keep your account current while you wait for responses that credit solution is working on, otherwise it just puts you more in the hole. I cancelled after 2 months and I don't get any money back but I will report it to the BBB.
Monetary Loss: $670.