Hi, my name is Steve and my wife and I are in a real financial jam and are seeking financial advice. Here is our situation in a nutshell: We found ourselves having a tough time keeping up with monthly bills and 5 credit cards were maxed out or close to being maxed out. We reached out to a popular debt settlement group. I will just provide nice round numbers for ease of things. They were able to get us a monthly payment figure of $700 which is the same amount we were already paying minimums on all 5 credit cards. So we get approved for this and they send us a package with financial hardship w