The freedom debt relief was current with my cc payments. They told me I had to stop making payments so that they could negotiate with each creditor. After enrolling, they were able to settle one debt, but the other two are bringing the hammer down on me. I current have a very low paying job, and am making monthly payments to FDR; I do not have additional funds to negotiate with. I am currently trying to get out FDR's program but they are not returning my calls. Currently my debt is just under $20,000 and I am frightened I will have my wages garnished my checking account frozen and/or lose my home. Any ideas or suggestions? I feel like I am about to lose everything. my job and was unemployed for a 9-month period. During that time I racked up some serious debt.
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