Stay far away from debt settlement. Debt management programs or bankruptcy are way better options.
I’m with National Debt Relief too. I had 18 accounts enrolled, 5 are being paid on, and 4 are already done. They charge 15% of the original debt, but everything they’ve settled has been for less than half. No issues with creditors so far.
I’m also working on settling some accounts myself to speed things up. Some creditors are easy to work with, but others are a pain, so I’m glad I have them handling those.