There are so tons of various debt settlement companies available and many extent entirely different plans. A big difference is the way they go about saving up the cash necessary to negotiate. Some will collect your enrollment installements and keep the money in their services accounts, some would extent joint accounts, and many will even have you open up your personal account. It is most likely a good choice to start your own account in which you get total control over your money. This will aide to prevent any problems from occurring.