They penalize you for paying off early…
They penalize you for paying off early despite the contract you sign saying they won't. They will not make payments or withdrawal money on time. This creates more fess and penalties. I added over 8,000.00 extra dollars to settle my debts. They are now waiting for another month in order to collect more fees. Every time you call it is a different person who knows nothing about the last phone call. My program ended in February and they refuse to make a lump sum to my last creditor. They have collected over 400.00 in extra fees when the money was there in February to pay the creditor off. They were charging me double to cancel payments to the RAM account because all the money needed to pay off the creditor was available. They were supposed to collect 300.00 more for fees on 6/22/2022 so I could be done with this and they did not collect the money nor did they pay my creditor. MONEY IS AVAILABLE TO SETTLE THIS(HAS BEEN SINCE FEBRUARY). Absolute nightmare. Still not over....BEWARE!!!!