All states have legally established NON PROFIT debt conselling agencies. They charge only a fixed fee after service.
Not the monthly direct ACH dip in a poor persons bank account like these charlatans do.
Debt settlement from out of state are for profit companies, operating in a shady almost illegal arena & have refined form of the art of the con. Most reprehensible.
Many customers are slowly groomed and coached & the smooth talk operators provide a very sympathetic ears, and emotional( fake) support that some customers feel it is the absolute right thing to do is send money, when they dont have any money to pay even a small percentage of the debt.
SO HERE IS WHAT YOU GOTTA DO.
Report to your state Attorney General office & also the Attorney General office of state where the company is situated and perhaps FBI as well. Interstate crime may have been committed or attempted to .