My experience was not only with Veritas,. It was the various representing attorneys, Forth, Concordia Legal group and Veritas. Although the end result is recorded as a discount in my debt for each debt, with all the add-on fees and various charges from 4 different components, as well as the settled loans being more than the initial debt, I would have been better off settling with the debtors on my own and paying off the loan and credit cards. Everyone was nice and individuals great but this cost me more going this way. I would not recommend this method to anyone and have kept my copies of paperwork to show the reported statement.