Don't do it!!
Don't do it!!! -negoiate on your own. I had 50 thousand in debt and by the end of 4 yrs I had paid total of 52 thousand dollars. A big rip off. Now as a final insult after closing the final 3 credit cards myself I can't seem to get my money back that I had in holding plus they had the audacity to charge me another RAM payment. Tried to call them-GOOD LUCK TRYING TO GET THROUGH!!There SHOULD be a CLASS ACTION LAWSUIT apied to this company!!!