My reason for the 5 stars is very straightforward honest with a smile 😁I highly recommend their service and knowledge. If it wasnt for this service I would of hit rock bottom as my debts were mentally straining. The person who is dealing with my case is the answer to my prayers. She has not missed a beat and everything is pretty much signed, sealed and delivered. I know this is not the easy road out but as least I know my debts will be paid off and most of all no more annoying emails, phone calls and letters. In the meantime this will encourage me to be more frugal and appreciate what I already have. Now I can be able to save and look at the bright big picture as this was one of my 2022 goals is to "PAY OFF DEBTS!" Three years it going to be a challenging journey for me personally but I will jump those hurdles with this mindset "I CAN & I WILL"