Do not under any circumstances sign any type of contract with this company. They talk a good story at the beginning and then they do absolutely nothing for you when they have your money. Never do any type of debt settlement with a company who asks for fees upfront. It is a SCAM. I am out $3, 800 and have nothinn to show for it. I am in the process of writing to all agencies that may be able to go after this company, however if I can save people from making the same mistake then it will be worth it.