Garbage Garbage! I wasted my money! I knew this wasn’t right for me when I noticed they insisted you put more money in account so settlements could be reached faster! I was having $720 a month taking from my account! And your telling me to “ADD” more money!!! I used them for almost 4 months and when I canceled all I’m getting back us $320!! I flushed good money down the toilet instead of negotiating my debts for free! GOOD RIDDANCE! I Don’t believe the positive reviews on website.

Exorbitant fee Exorbitant fee. Nearly 95% of monthly payments that supposed to accumulate to settle debts goes to cover attorney's fee, administrative fees, monthly fee and other misc. fee. They said it will take 9-11 months before they could even attempt to negotiate. Which means it will take that long to accumulate enough money to make an offer to negotiate your debt. Just think only about 5% of your monthly payment goes to accumulate cash for future payments. It's a scam. Read the fine print and ask more questions on the fees. What I find out is, creditors will always try to make deal to collect some money rather lose all. Talk to your creditors, some will offer 0% and reduced monthly payments. While some will offer a lump sum discount of 50%. I bet you can find a better deal than going to debt consolidation scam companies. With so many negative reviews, it would be wise to take the positive reviews with a grind of salt.

The process was not clearly laid out The process was not clearly laid out. What was stated on the phone call and what was "spelled out" a year after they had taken a very large sum from our account. When we were told their first attempt was unsuccessful, the second one goes much quicker. After viewing our portal we were informed there was less than a thousand dollars in our account. When we asked where all our funds went, it was then, a whole year later, we were informed"we take out our fees first". We were never informed as to how much that fee would be and when it was withdrawn, yeah, shame on us. I think we call that trust, now we feel as we were had. Our hard earned funds were depleted. We received an email to call a number for assistance, because they were busy helping others and had heavy call volume. Funny it was the same number we were told to use to get help from them. If you can work it out yourself try it, we probably could have done much better

I am beyond annoyed with this whole… I am beyond annoyed with this whole system. Approximately 36 months at a certain $$$ amount was what I was told. They would handle all accounts. I have increased my monthly and now am told that it will take more than 57 months at that increased amount. I have been taken to court twice now. They first time they "worked their magic" - which was I could pay the full cost over two years (the full cost being the original debt plus all of the monthly late fees incurred after Hallock took over) or pay a reduced some around 2k (which I didn't have and was only about a 10% reduction over the original cost). The second summons just came and I expect a third at some point because they just let the larger debts "sit until the end". I have paid over $5700 so far and only had about $1500 settled and the rest have been sucked up by their administrative fees. Add to that, the original attorney assigned to me has been absolutely impossible to reach. I will finish this out because I have paid all the main fees by now and don't have the means to deal with lawsuits on my own, but this was easily the worst financial decision of my life.

HORRIBLE PEOPLE scam POS that should be shut down. any review more than 1 star is probably fake