Since both of you signed the lease I don't think they will remove it until it is paid and there's no guarantee that it will be then. I would try sending the original creditor a pay for delete letter and see if they will remove the negative debt from your report once it has been paid. Make sure to send it certified mail with receipt. So you will have proof that they agreed to remove it after it was paid.
Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.