For the past fifteen months or so thought I was doing the right thing be trying to take care of my debt once and for all in a responsible matter, I was wrong, or should I say miss lead. This company does nothing more than pray off of people who are in a very vulnerable situation. They do nothing but lei and deceive you from the very begging and lei straight out lei. For the past fifteen months I have been paying these and they have done nothing on my behalf.

I was sued by capital one because of the advise of these people they say that they have lawyers over the phone but that is a lei I was let to deal with the courts on my own. Anything they can do you can do yourself . They tell you to stop answering the phone that's fine if you want you debt to be charged off and have that on your credit report for the next 7 years. You can deal with you creditor your self in my case they have sent me settlement letters for a reduced amount but this has nothing to do with debt relief this is just because I stopped paying my bills and its in the interest of the banks to secure a lower amount of payment so that you don't filing for bankruptcy, which could happen to anybody in their so called program.

Right now I am trying to secure my set aside funds which they said is about $2100 and wont give it to me for 30 days . They are also refusing to refund my administrative which amounts to $1400 for doing absolutely nothing. Also on top of that they have been charging me a monthly fee of $30 dollars which I offer them to keep just refund the my administrative fees and my set aside account. Which would still leave them with a $450 dollar profit for doing nothing. I can get out my self for 3000 dollars less then what they wanted me to pay and 12 months faster.