Fraud Organization This company is really a fraud . I also got trapped with their prior commitments to settle the debt. But their service towards needs of customer is really poor even after providing enough documentation they didn't work actively to settle the debt. Their executives response towards issue is not up to the mark they keep on assuring lot of big things. But never proactively handled the problem on time. At last when asked to cancel the service their officer said we don't have that provision and there is no such guarantee of money refund. Even though payment was made on time and they keep charging banks to take the monthly payments but no sign of refunding the money. I will take my case to bigger forums and let people aware of the fact Thanks

Amazing Service When I call in I usually get one person repeatedly. That Agents name is Rita Daniels. She is an amazing csr, and is very direct and helps me understand all I need to know about my bill everytime I call. Very smart and intellectual customer rep, and she needs a raise! Give her a raise please, cause she definitely deserves one!!!

MISLEADING I was under the impression that this company would take over my debts and pay off those debts. I only added more debt to my credit score and put myself in more of a bind. I wouldn't recommend this company to any of my peers going through what I am going through. I will try to find a way to terminate my agreement and handle my finances in another way.

Dinora has been extremely helpful and … Dinora has been extremely helpful and courtious. She has explained every question i had with good knowledge and care to help me with all my concerns. As far as i am concerned if your company had more representitives like her there would never be any issuse. Thank You, Raymond ST. Louis

Just fed up with this company, my credit has dropped 100 points since I signed the contract, all my creditors that are on the program balances due are now 3-400$ higher than they were. My credit score is worse than it ever was, I have paid this company over $1500 and nothing has been done to pay the creditors. When I have received a call from 321, they just say stuff, but still nothing is done and I am truly unsatisfied with this company. Unfortunately there is a contract and they got me so far in debt now I will never be able to climb out of it.