These guys are a total scam. This lady stephanie said I could cut my debt in half and the creditors would stop calling me but three months into it my creditors are call me more than ever and my balances have gone up by 25%. I called her and she did not call me back for 3 days and when she did finally respond she told me it was normal and the calls would stop and I would not have to pay the increased amounts and now I am being sued. She said it was the problem of some place called JLG and I have no idea who they even are? I can't get my money back and she won't take my calls anymore. they are a total scam.