After many months of stress, I decided to us this company to get me back on track. 8 months later and $5700 dollars down the drain nothing has been fixed. I was told by the nice gentlemen on the phone that the first 3 payments was my fees and then a monthly fee. Now I am told that it is 18% of my debt which in turn shows up to be $6000 in fees. That doesnt include the $50 a month service fee. They have done nothing for me except put me futher in the hole. I am sure that not one cent of this will ever be seen again. How a company can do this to people who are already in a bad way is unforgivable. They should be required to give the money back. Nothing but misleading and deceptive. BEWARE!!!