6/4/2010 2:43 AM (PST)

We religiously kept up with our bills and credit cards. Last Sept one of our credit card compannies drastically changed the rules. Specifically, out of the blue they said, we had to pay something like a minimum $400 a month. That broke our back and we sought relief in the phone book with what we thought was consumer credit counseling because they have a good name and wound up with Consumer Law Group, P.A. in Boca Raton, FL. They tell us that they have contacted all our credit cards to indicate a desire to negotiate a reduction in the debt which is to be paid out of a $400 a month payment we are now making to this Consumer Law Group. We agreed to pay a $4800 fee. So far, after 9 months there has been no settlement with any of the card companies but we just received a summons of a suit by one of the creditors. What should we do?