One of the most important drawbacks of debt settlement program is that calls from creditors and collection companies will persist while the client is in the debt settlement program. Debt settlement typically operates wherein the client stops making payments to his creditors directly. Moreover, most of the debt settlement companies suggest their clients not to speak to their creditors directly. However, collection companies and creditors keep calling and harassing debt settlement clients and often tell them how bad a debt settlement program is in order to keep collecting debts, and creditors usually don't stop calling until they are paid, getting payments, or forced to stop calling by some legal mechanism. This version is the first release on CNET Download.com.