No, monthly payments are not made to your creditor since a settlement is being negotiated in order to pay off less than the full balance. There will be no monthly fees being charged for services to avoid more stress on your monthly expenses. Settlement services are to help you gain a clean slate, not drive you further into debt. Many other debt relief companies will force clients into escrow accounts after less than a month of being late. We do not take ownership of your funds nor require an escrow account to be opened.