I signed up with a debt settlement program (huge mistake) in April 2023 and watched my credit score go down dramatically. It was devastating.

After doing research and talking with a debt counseling program, I realized how much of a mistake I made. I contacted the program (in writing and over the phone) and told them that I wanted to terminate my participation immediately. That was the easy part. Getting the $1,000 I had paid in refunded was more difficult but I got them to refund it.

They will discourage you and tell you it is not possible. Be persistent. I ended up calling the Bank that they use as the “trust account” and told them I wanted the full amount of my trust account refunded since they had not started negotiations yet with my creditors. The money was back in my account 2 days later.

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