Back in November I started a debt settlement program. We got the creditors to stop contacting me and contacting my representation instead. 5 months in, I thought I was doing great, settled one account for 53% and one for 34%. Saved over $2700. Today I get an email from my representation saying I am being sued in two weeks by citibank and they are telling me to settle. The original account balance was around $2500 and they are suing me for around $3500. They are offering a settlement of $2490.

What should I do? I am losing faith in my representation. Everything I was told in the beginning is not looking likely to happen. I faxed letters months ago to my representation from citi saying that they would settle for substantially less. I do not think they followed through and checked up and now I am the one being screwed. I have had funds available for months and they keep saying they weren't getting offers at this time. What do I need to do? Where do I go from here? Do I sue my representation for not holding up to their part of the deal and failing to negotiate when the creditor was willing. If I would of been in control I would of never let it get to this point.

Man am I mad right now.