FYI: Most of my accounts, with them, not only went delinquent, but they went closed, due to no payments, even though making agreed payments each month. Therefore, I think this is how long they are willing to take to secure their fees, before a settlement, while our account/bills sit by the waste side, as they collect from us. That is, what I think is the reason for this is they wait until they have collected enough monthly payments from us, before a settlement, due to not being able to officially collect, until a settlement. Note: Look on each settlement document for what they will be paying your creditor monthly against what you're paying them, monthly. LOL, no it's not a monthly savings moving forward. I think it's gone as their expensive fee, which is right after any settlement.
Listen: As a few has already said, call your own creditors to work on options, especially if your bills become closed; if so, there are no additional interest when an account becomes closed. Listen: We have to pay the IRS on any settlements. That is, the remaining money not paid to creditors, in a settlement, gets reported to the IRS as either income or capital gain.
FYI: Any creditor can tell you this without a doubt; therefore, I think with any monthly money made to Alleviate period, along with what will be reported to the IRS, will it even ever be worth it? Our creditors and/or their collection unit will work with their customers.
Lastly, I think Alleviate ask some to possibly increase monthly payment: I wonder why. I think they also possibly ask if wanting a loan from them with interest, after already have paid their high fees.
Recommendation: Make sure you get a mailed agreement, as well as always check your portal against monthly payments made.