Reviews (1)

I enrolled in the program and after five months their sister company offered me a loan and settled all of my debts at 22.9 APR. They did settle two credit cards before this took place, and litigation group stopped one of the creditors from suing me. It’s a slow process but if you follow through, the sister company will offer you a loan. The loan payments out of a $300 payment they are taking 180 in interest, so it’s like they're taking most of their interest in the beginning. There is no prepayment penalty on the loan so I’m going try later to get a lower interest rate elsewhere. But my credit score has rebounded nicely and I think it was worth it, basically, in the end with the interest rate if you're offered a loan it’s laying paying debt off with no interest in the end.

One bad thing, when they settle a debt the company will send you a 1099 at the end of the year to pay tax on as income the amount you saved.