When I first spoke with Greg Balmer of First Universal Lending he really convinced me that they could help me out of the situation I was in only to find out now that this practice was considered illegal after the November of 2008 and that this company also accepted payments of 449.00 a month from me from 11/16/2008 to 6/16/08 and they were also suppose to be working with my creditors as well and I found out that none of this had been worked on at all. The company waved 1 or 2 payments because of this and now I know why because they were not... read full review »