DON'T DO IT
DON'T DO IT! This company is a scam. They take your money under the false notion that they want to "help" you resolve your debt without filing bankruptcy. After four years I am left with a garnishment, three other unresolved debts totaling about $15,000, and one that I paid on my own and they still have it on their books. Also, they have done something with one of my accounts that isn't even enrolled in their program rendering the account useless to me! The settlements that they negotiate were supposed to be about 50 percent of the initial debt, but nearly all of them were not reduced at all after all of the late fees are added! One star is way too many!