I called this company after hearing an ad for debt settlement on the radio. I spoke to a man who told me he was a lawyer and they were legitimate and that there were many fakes out there. He did everything by email, I even signed online. He went over the contract with me and all the fees, except that they would charge me over $1500 up front. That little surprise came a month later when I got a statement from the bank I had to set up an account with charging me over $800 in fees, out of which $778 went to Jensen Legal Group, it happened the next month as well. When I called they told me that according to my contract I could cancel anytime but they would keep my money. "Read page three" is all they told me. Their tactic is to appear very legitimate by presenting themselves as lawyers and giving you all the fees information you need so you don't have to worry about reading any contract, since they went over it with you, except for the part where they would charge you upfront. Oh, and they tell you to stop paying your creditors and avoid their phone calls until your account goes into collections. By this time you are more deep into debt and severed ties with your creditors AND they have a chunk of your money. You are hostage and poorer and worse than you've ever been. I may never get my money back, but I'm making sure the world know about these people - The Jensen Legal Group, out of Frisco Texas.