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.

To many problems to list... To many problems to list.... most credit cards just lays unattended and cost in intrest and late fees just keep climbing....l finally withdrew my unpaid accounts which are now larger and contracted credit cards and made much better payoff agreements than l got with others they negotiated.

Agent Kevin T. Agent Kevin T. Thank you for fixing the discrepancy in one of my accounts. For future calls please consider speaking a little more slowly or enunciate more clearly. Speed in customer service calls is very important, however speaking clearly and distinctly will show care in handling future customers. Thanks again. David

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.

I'm getting a little skeptical about… I'm getting a little skeptical about this organization. It seems that things are moving at a snails pace, yet the creditors are contacting me all of the time about settling the account. I'm concerned about the fees that keep being added to my accounts. I wonder if I should just negotiate with the creditors myself and move this along. Anyone have any input?