I'm sorry to hear about your financial issues. I have had several clients end their agreements with debt settlement companies, and most got money back, but whether or not they got all
of their money back, or just the amount left over after the debt settlement company deducted its fees, depended on the contracts.
If your contract says they get paid their fees even if you decide to cancel using their services, etc, then you may not get all your money back.
I cannot give you legal advice online, but my clients typically contacted the debt settlement company and advised them that they decided to cancel services, and the companies sent money back, sometimes the whole amount, and sometimes the remaining amount after fees were deducted.
I hate to give you a blurry answer, but you will really need to look at the contract to know if you can get all your money back. But, I have not seen a contract yet that requires the customer to continue to use their services, so I would guess that your contract allows you to cancel, but the issue of how much money you get back is something you will need to look into.
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