They promised to settle all my accounts for less than 50% of my balance and I ended up paying more on my Capital One. I only owed 590 and I ended up paying 597 with the threat of litigation if I did not settle. They promise to help but all they do is charge you a ridiculous amount of money and you really do not even save CLOSE to 50%. I did settle 3 of my accounts but they were smaller. My largest account I owed 6000 and I had to settle with 3400, with the fee Credit Solutions charges I might have saved 1000, really not worth the hassle. So yea it SOMEWHAT helps but they just want your money and half the time you have to stay on their butt about getting settlements.