I put a lot of thought into this, especially since I faced potential lawsuits. I managed to catch one before it escalated with the credit card service. Once it reached the lawyer, the costs were significantly reduced compared to the initial amount. For example, I owed 33k, and they wanted to settle for 22k while I would pay 8k for the 25%. In the end, I settled for 25k, saving 5k. However, this approach doesn't prevent lawsuits. The support team is helpful and tries to address all inquiries, but ultimately, the plan ended up costing more than settling directly. I believed I was making the right choice by using their service, but the lack of updates on my claim and their decision to escalate it to lawyers without allowing me to address issues directly led to larger problems later on.
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