Please save yourself the headache
This company lies about their abilities and experience to get you to sign up with them. I was told they have relationships with creditors that mean clients rarely get sued, I was sued my first month in the program and have now been sued twice, all because of the steps they instructed me to take. They guaranteed that when lawsuits do happen they settle them for much less than owed. Both of mine have been settled for full amounts plus fees. Their agents tend to all tell you different things, and you don't get a dedicated representative that you can call directly, so getting reasonable updates and consistent information is nearly impossible. Just save yourself the headache and choose another firm.