This company IGNORES you when in need
This company is a SCAM, they settle small cards but not the bigger ones, they promised to settle everything, paid $32.000 or more over 4 years, never missed a payment now my two major cards are still owe, nobody calls or answers the phone number. They even tried to keep debiting out payments after the last payment was made. I contacted Ram Servicing and informed them I had finished my 4 year payment contract and I didn't owe any more, but I still had 2 accounts that hadn't been taken care of on their end. Figured they may call me since I couldn't get thru to them, but noooo. I just received a deposit from Ram Financing with no news on the remaining obligations on their end. Stay Away. They will not let you contact them when you have issues.