When I first signed up with Swift Debt Relief, I was hopeful. They promised to slash my $28,000 debt down to $21,000, with manageable monthly payments of $450 over four years. It sounded perfect. But soon, things got messy. That $450? It covered just one account. To settle other debts, I had to fork out separately for each. Fees piled up, and I saw no real progress in reducing my debt. They assured me I wouldn't face court troubles and promised support if I did, but those promises turned out to be hollow. In my experience, they operate in a deceptive manner, leaving me with more questions than answers. Be careful if you consider their services.