Program makes no difference. If you are thinking of doing this program. DONT. You mess up your credit and at the end of it all you pay the SAME amount of money that you owed,if not MORE. They may get the accounts settled but they charge you more for services, equalling to the same amount you started with. There is absolutely NO POINT to this program. Screwed my credit for almost 2 years for nothing! Ended up paying more than what I OWED. Leaving this review for anyone thinking of doing debt consolidation. AVOID ALL ATTORNEYS. You are better off dealing with the banks to settle your account with no extra fees.