Business ProfileforDMB Financial, LLC

In March of 2023 I was contacted by DMB financial LLC. I was not looking to do a debt settlement program but I was struggling to make my loan payments to four different lenders. My husband had to go on disability and we had to go for 6 months with only one income. DMB contacted me and convinced me this was my best option. They asked me who my creditors were and when I told them they assured me that they dealt with these creditors all the time and it would be easy to get a settlement with each one. I signed up with them and was told not to have any contact with any of my creditors. A month later I called to check on the status of my settlements. I was told that because I had not been late on any of my payments they would have to wait til I was a couple months behind before they could negotiate a settlement. I called them back a couple of months later and was told they were negotiating. Finally after 5 month I was told they had a settlement with one of my creditors. Two months after that they had settled another one. Then I didn't hear from them again. I contacted them a few more times and was told they were in negotiations. I was concerned because it had been over a year. Last time I contacted them I told them that I wanted out of the program because they had not settled on the other two. They said they had to wait for me to send more funds before they could negotiate. They had told me previously they were in negotiations. I told them that before I joined their program my credit score was 800 and now it is 600. He said "that's quite a hit but sometimes that happens". Before I signed up with them one of my questions "will this affect my credit score"? I was told maybe a little bit but probably not more than 20 points. To date I have paid $11,892.86. Fees have been $9946.70. Payments to creditors $2250.94. They sent me a refund of $1086.82. There is a difference of $859.34 unaccounted for. The day I called to terminate I was served papers for a lawsuit with 1 creditor