This is typical of debt consolidation companies. They only negotiate after you are seriously delinquent because they haven't made any payments. I'm sure that most of what you have paid them has gone to their fees.

Have you really read your contract with them, or did you just go by what they told you? If you haven't read the contract, I suggest you do so now. If you have, you may want to reread it to refresh your memory on exactly what they promised, IN WRITING, BY CONTRACT, and not what some rep who is trying to make commission told you.

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The Answer is 42!!