I am concerned due to the fact that I only keep getting letters from creditors both on program and current ones I have. They are reducing my limits, stopping some credit cards and the only answer i receive is that we are going to start working on my accounts. Yet ther is no record anywhere showing what action has taken place other than withdrawing funds from my account every month. If I sound disappointed I am, felt that by this time at least one or two accounts could be settled. When i started this program I had 3 accounts under $800.00,now every account has over $1200.00 due plus escalating interest every month. I would think these accounts could have had some action taken up to now with my savings over $2500.