Don't go with them
opened the account to help pay off my debt because after I had my son I used some of my credit cards to pay his hospital bill, and it just stated accumulating more. I was given an amount that they would negotiate and that would be what I would pay, but as the time went on my bill kept getting higher and I ended up paying much more than what I originally owed. I ended up pulling out my biggest account and settling it on my own. Live and learn, I would never recommend this company to anyone. They don't help, they just add to the stress.