I guess I’ve lucked out then

I guess I’ve lucked out then because the DMP I am with now doesn’t charge any kind of down payment; actually none of the one’s I contacted charge one

Well I’d say you lucked out, cause ALL the ones I contacted charge one, and most want that DP all at once. I got lucky in the fact that the one I chose let me pay it in TWO payments. I am happy for the most part with mine, some settled for more than I had had anticipated, and some for less, so I guess it sorta balances out.

I hope CB don’t try and sue us, cause I wouldn’t be able to go, PLUS I do owe the money, I just don’t have it. I hope to have all the accounts settled in two more years. My debt settlement company says they have ways to make life hard for the creditors, just as they have ways of making things hard on us. All I know to do is to hang in there and stick with the program.