I am writing to tell folks that i dont agree with some of the things said about this company. These nice people helped me I was 13 months down. If it wasnt for them I dont know where myself and my family would be. My interest rate was lowered and the money I owed was put to the rear of my loan, to start fresh. I am very appreciative and would recommend them to you. I honestly got my life on track after working with them ..and thank you!!!