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Almost certainly not. Most of these "debt settlement" companies charge rather large fees and make no payments to your creditors until they have collected their entire fee. Some of them never pay any of your debts, they just take your money. By the industry's own accounting, which it made public during recent hearings on proposed new FTC rules which will take effect October 27, 2010, as few as 30% of consumers ever achieve a settlement of any kind. But they still have to pay thousands of dollars in upfront fees to the debt settlement companies