I am currently enrolled in this debt settlement program which is all online. It is costing me 15% of my total debt, which I do not want to reveal what that is. However, the program guarantees me to settle my debts for 55 cents on the dollar in 24 months, which includes the 15% . The company who signed me up to the program is sending me a check for a $100.00 every month for the first 8 months of the program. A third of the program, they are mailing me checks. They call it their Grocery Assistance Program. I would highly recommend them to anyone who is thinking about doing debt settlement. I only have been in the program for 2 months, but I have made 2 payments and received $200 from the company for Groceries. I was asked by the company to write a testimonial in this forum and I told them I would be happy to do it. If anyone wants the name of the company just send me a message.