If you have to pay them on a monthly basis, how long will it take them to "fix" it? I don't think they are going to be in a hurry to do it in one month, or three, or six, or a year. Meanwhile, you will have paid $200, $600, $1200, or $2400 -- and none of that goes to paying down the debt. Keep your money, follow the suggestions on these forums, and DIY for free. Good luck!