Do NOT work with this company! Do NOT work with this company. They do not work proactively for you and charge outrageous fees! The amount they so call negotiate for you is only doubled because of the fees they charge. They do not explain things, you constantly have to hound them to do what they promised. Once you sign the contract, you won't hear from them again. You are better off negotiating with the credit card companies directly or find another agency.

Waiting for over two months… I’ve been calling for over two months now to graduate out of the program, but no success. No one can give me an answer on what’s the reason for delay even after I paid the pending amount in full on 15th Nov, 2019. While the agents on the phone are courteous - they have time and again been unable to respond, always referring to the negotiations department that has so far not provided any explanation. It shouldn’t be this cumbersome to graduate out after paying the amount owed in advance.

This company is the worst I have ever… This company is the worst I have ever dealt with in my life! I have used other companies and even filed bankruptcy before. But I asked for help and this company has failed me horribly!! I signed up with a plan and have kept my side of it but they have not. I am paying way over what I should have to begin with. I was sued last year and again being threatened to be sued again. They take my money every month and I get no where but in deeper trouble. Please do not use this company!!! They lie and steal your money!!!

If I could give 0 stars If I could give 0 stars, I would. Don't walk, run away from this company that preys on people in a desperate financial situation. I have been given misinformation and have been promised actions repeatedly that have turned our to be blatant lies. This has been, by far, the worst experience with a company I have had in my 48 years of life. Don't be fooled by the empty promises and horrible customer service offered by these scam artists.

Total Scam Total Scam. They claim to take charge, negotiate your accounts down and save you money. They contact the crediters and negotiate the amount owed down which I could have done myself but by the time they add in their fees you save little or nothing. Now the final insult. I enrolled 6 accounts. After I realised that these accounts become inactive and your credit destroyed I removed one account from the program so that I would still have an active credit account. Bare in mind that all of these accounts were up to date. I came to the program because I was about to go under. After negotiation one of the accounts was sent to litigation prior to being fully enrolled. Now four of the accounts have been paid off. The 5th has also been paid off but now I am told that I have to pay all of the litigation fees which is a very large amount so I will end paying more than I started with. As I said up front the program is a crock, preying on people that are over extended and in the end you have to rebuild your credit and move on.