I don’t have any experience with debt removal

But I’d say the scheme(s) you describe sound very fishy. Try Googling “Christian debt removal” and you’ll see a slew of negative reports. It’s quite easy to find legitimate credit counseling services; I’d suggest finding a local one, and then you could (a) find out what the legitimate techniques really are, and (b) ask them about the types of schemes you’ve seen. And good luck!