Hello and welcome to the site! My name is Barrister and I am a licensed attorney and I am here to help with your situation. I know your question is important, but there may be a short delay in my responses as I type out an answer or reply as I am typically working with several customers at once on the website. I have read your post and I am sorry to hear you are having to deal with this situation as I realize it can be frustrating and confusing.

Have you paid the debt relief program any money yet? What does the contract say about cancellation and how you would go about doing so? Typically, you would have to contact them in writing and notify them that you were ending their services.

Typically most of these debt relief companies have at least a 3-day right to cancel in the contract if a customer changes their mind. But you would have to review your contract about cancellation and see how it says you need to go about doing it. Typically it would say you need to send them something in writing to a specific address listed in the contract stating that you are terminating it and requesting that any money that you might have paid be refunded.

Okay then the simplest option here would be to contact the debt relief company in writing and tell them you changed your mind and want to cancel the contract as you're not ready to move forward with their services at this time. And again, the contract should have the acceptable methods of cancellation in it along with an address or email or phone number that you need to use to notify them.