I have $25,000 in Credit Card debt and made a mistake of listening to my sister and looked online to have them all consolidated to pay all of them. I saw Freedom & Beyond Finance as they say they’re BBA Accredited so I chose Beyond Finance. I signed up in Feb 2024 I believe. & Supposedly my last deposit / payment should be mid to late 4th quarter of 2027. I was sent a letter that 2 of my Credit card debt were forgiven. Apple & Chase credit card. Twice I called them and each time I call my last deposit / payment keeps going longer and longer. I talked to one of their agents earlier and he showed me that my last payment / deposit would be Feb 2, 2029.
Would it be too late to back out now? Would there be a huge disadvantage if I backed out now? I really need help or any advice. Thanks in advanced.