I've been in a debt settlement program for a year now. So I haven't made any payments to my creditors for that same amount of time. I am starting to have doubts with the company and would like to withdraw because they are just starting to settle 1 (ONE) of my credit debt. I will only have $700 from my escrow account and still owe $12,000 to my creditors. Can I still negotiate and settle directly with my creditors? Will the creditors still let me?
