My husband and I found ourselves in a bad financial situation so we found and signed up with a debt settlement company. This was a last ditch effort to avoid bankruptcy. We don't want to lose our home. Anyway, we had a loan with cinifinancial. This is included in our program. The account was up to date until I went into the program. The account is currently two months late and I got a warrent in debt yesterday. I have told them our situation and about the company we are going through. The warrent states that I do not have to appear but we are going to protect our interests. My debt company is sending me a package that gives a detailed plan of repayment to all our creditors. We are in a five year program and at the end of the five years the debt will be paid in full. I am very afraid. What can or will they do to us in court? Will they take our tax refund, garnish our wages? Can they take our house or vehicles? We have 3 children and live a very modest lifestyle just barely making ends meet as it is. We made some poor choices and are paying for them now. Please give me any advice or info you have. Also, I live in Virginia. Thanks So much

