Hello, ladies. I have a few questions on debt relief programs. This may be kind of lengthy. My husband has a few charge cards in his name only. We've been together for several years, but got married December 2012. Back in June he had another knee surgery. He was injured at work in August and had double menicus surgery in November. Then he had cartilage (sp) replacement surgery on his right knee in June. He's drawing workers comp through his employer, but it only pays a fraction of what he made. So, money has been tight. But we're getting by and not struggling. Thank goodness. Well, a couple of weeks ago we get a letter in the mail for some kind of debt relief. I think it was from Freedom Financial. He calls them, they work out a payment plan, and withdrew their first payment from our checking account on July 25. Now the debt collectors are calling us and my husband is wondering if he did the right thing. He's been feeling guilty ever since he filed with the debt relief program. Come to find out, the debt relief company lets the debt collectors keep calling until the collectors are ready to negociate a payout. My questions is, should he had called the creditors first and worked something out before using a debt relief program? Has anyone else used a debt relief program? What kind of experience did you have? Has anyone every worked out a plan with their creditors before? Please give us some advise or anything info you can supply us with. My husband is a nervous wreck. Thanks, ladies.