I have to ask, why are you using a debt settlement company? See some of our other posts, but most debt settlement / debt negotiation companies are rip-offs. They take your money and do what you can do on your own. You can do a better job on your own and skip the fees. Some creditors never work with debt negotiation companies. Do debt negotiation companies ever tell you that though? No, why would they. They want you to believe that they can fix your problems without any work from you. And guess what, when you get sued they won’t help. Save your money and use it to pay off your debts.
(Yes, some companies do a great job and charge reasonable fees, usually $25 a month or so, but not many)