This company is a joke. I think they could provide a good service, but unfortunately the people you talk to (never the same person) are incompetent and will tell you something different every time you speak to them. Because these clowns never did what they said they would do and it went on for so long, that a debt ended up in litigation and now they won’t take it on and I am left to deal with it. I feel complete outrage and desperation when I thought I was on a path to redemption the past two years. They have failed to deliver.

Nightmare! So far dealing with this company has been a nightmare. I'm on hold forever when I call. One person to the next has no clue what's going on with my account. I had changed my account information and have been dealing with them to get things straightened for almost a month now and it's still HORRIBLE. I am starting to question this business and whether they will truly be able to help me.

In program 1 year now, should I be worried? In program 1 year now. Called today regarding litigation notice, logged by Royal as received per email on March 18, 2020. Set for court date of May 20, 2020. The representative had nothing! Asked my to resend 18 page document. This was also loaded on my customer portal on March 18, 2020; and it seems to be missing now. Notice of hearing date there.

Run! Run away quickly! During the 4 years I was involved with them, I resolved 2 of my 5 accounts myself and a 3rd one involved litigation which they don’t seem to take too seriously or urgently. They actually referred me to an attorney in a different practice.

They were fast in signing me up, but it stops there They were fast in signing me up, but they have a very poor customer serve department. I have been trying for two weeks to get a refund on money that they withdrew after being told that it would be skipped. I talked to them three times sense then and I have had know refund. Credit score is going down because of overdrafts and late payments. I would look twice before going with this company.