Credit debt elimination isn't free. The consumer is paying off part of the principle and will also pay fees to the debt resolution company. There is considerable debate about how much debt relief costs these days, but if thought about logically, what's provided to the consumer is valuable. Good negotiators aren't free and neither is the management of an account. Many companies also provide legal advocacy for consumers who are being harassed by bill collectors. Opponents of debt relief companies will say their fees are too high, but if referenced against the costs of attorneys and CPAs in the case of a bankruptcy, they are a bargain. If nothing else for peace of mind and the ability to get a consumer back on their feet again.