Yes, it is too good to be true. Whether it is with a law firm or not, you will be wasting your money with a debt settlement company. I speak from personal experience and ended up paying more then if I attempted to settle the debt myself with the collection agency. If your debt is held by a collection agency, it is much easier and cheaper to deal with them directly to settle your debt. I have attached a link to a very good article about debt settlement companies.
