Completely fraudulent company, Kern County District Attorney called them a "criminal enterprise". If you are a debtor, do not send them any money, they don't have any on staff lawyers, they can't do anything to you, they are a bunch of dirtbags that set up some shady call center. You can just laugh at them if they threaten you with anything. If you are a creditor, do not contract with them, they are not a bonafide company, they will take your past due accounts, harrass them, collect what they can and never pay you a dime. You will be left with a bunch of pissed off former clients. They will try to tell you that they need some up front money to initiate litigation. Do not deal with these people at all. If you have any dealings with these dirtbags, contact John Mitchell, Kern County California DA.