They told me that the number that they could lower my car payment to half of what i was paying for 379 down of one payment i never heard from them anymore after i paid them my name is linda black . after three months i decied to try and call to see what was going on .it was a guy that aswer the phone and said that that company had beat people out of a lots of money because people keep calling him asking him to speak to mike onell that was the name they gave me also that guy.