They may convince your creditors to what you owe, but your credit will spiral into the abyss, unless it’s DISCOVER. DISCOVER WILL NOT NEGOTIATE. I have to pay DISCOVER the full amount, plus a percentage to Gitmeid PLUS my good credit, starting at over 700 is now destroyed. Big help they were. I asked... Gitmeid if my credit still takes a hit once a settlement was made. They couldn’t tell me. “We’re sorry, we don’t give advice on credit”. You can’t answer that simple question?? They don’t give a damn. If you’re in debt, they will take advantage of you and make their money. It’s kind of like declaring bankruptcy, but you’re paying money and your credit is destroyed while they claim no comment. I wouldn’t do this again. Find another way.