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lets head straight to the phones and talk to Eric and Illinois hi Eric how are you Im good Dave thanks for taking my call sure man whats up I am currently about 90 grand and unsecured credit card debt Im fourteen months done with a debt settlement program through a company and Im starting to second-guess whether or not I should have done this and what are my options should I withdraw from the program should I continue doing what Im doing can I file bankruptcy its 90 thousand dollars in credit cards yes youve been with them nine months so youre nine months or east yeah Im sorry fourteen months 14 months Im sorry so youre at least 14 months behind right yes because you stopped paying them and so did they correct and then the theyve been taking a payment from you every month and theyre building it up to make lump sum offers and try to settle after they put you in to default on every one of these right correct yeah people suck theyre complete scam artists and then worse tha