It is unfortunate to hear that the setlement company didnt do any good for you is keeping the money.  I would need to see the contract with the debt settlement company to determine whether you are entitled to any refund.  the chances is however, that you are not entitled to a refund as they did work for you but were just not successful.  I suggest hiring a lawyer to help you.  the lawyer can negotiate with the creditors for a reduced amount of money. This is the easiest way to get this done and finalized.