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Review 7/15/2010
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DO NOT use these guys! I stuck with them for a year, and they promptly took out about 300 dollars a month into a "savings account" that was especially and only for me. Once the balance was high enough they would start negotiating with my debtors on my behalf. GUYS, you can totally do this yourself. DON"T PAY ANYBODY TO DO THIS FOR YOU. After a year, I was curious to see what my balance was and I couldn't believe it was 306.00! Yes, their fee is upfront, which means they take less and less after each year, but this is insane. I cancelled as soon as I realized. I called them four or five times to get my pathetic three hundred dollars back, and though there were great about collecting, they weren't so great about refunding until I threatened small claims court. If you need help saving money to negotiate with your debtors, try smartypig.com. It's free. These guys should be SHUT DOWN.
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