These guys used to be called Unified Financial Solutions. You can read more about it here: http://www.debtconsolidationcare.com/settlement/unified-financial-solutions.html Now they are up to no good again. You would think they would get shut down like they did below: but I guess you just change your name and keep doing business. http://www.ftc.gov/os/caselist/0412326/050330ord0412326.pdf Careful of them if you run into them, be very careful. read full review »