Exorbitant fee Exorbitant fee. Nearly 95% of monthly payments that supposed to accumulate to settle debts goes to cover attorney's fee, administrative fees, monthly fee and other misc. fee. They said it will take 9-11 months before they could even attempt to negotiate. Which means it will take that long to accumulate enough money to make an offer to negotiate your debt. Just think only about 5% of your monthly payment goes to accumulate cash for future payments. It's a scam. Read the fine print and ask more questions on the fees. What I find out is, creditors will always try to make deal to collect some money rather lose all. Talk to your creditors, some will offer 0% and reduced monthly payments. While some will offer a lump sum discount of 50%. I bet you can find a better deal than going to debt consolidation scam companies. With so many negative reviews, it would be wise to take the positive reviews with a grind of salt.

I am beyond annoyed with this whole… I am beyond annoyed with this whole system. Approximately 36 months at a certain $$$ amount was what I was told. They would handle all accounts. I have increased my monthly and now am told that it will take more than 57 months at that increased amount. I have been taken to court twice now. They first time they "worked their magic" - which was I could pay the full cost over two years (the full cost being the original debt plus all of the monthly late fees incurred after Hallock took over) or pay a reduced some around 2k (which I didn't have and was only about a 10% reduction over the original cost). The second summons just came and I expect a third at some point because they just let the larger debts "sit until the end". I have paid over $5700 so far and only had about $1500 settled and the rest have been sucked up by their administrative fees. Add to that, the original attorney assigned to me has been absolutely impossible to reach. I will finish this out because I have paid all the main fees by now and don't have the means to deal with lawsuits on my own, but this was easily the worst financial decision of my life.