5 /5 Jorge A. .Lopez: So far, out of the three accounts I have been working to settle with them, they have already settled two and have helped me pay off one of them as they negotiated a smaller settlement. They have been absolutely wonderful, and I am so thankful for their continued support in rebuilding my credit. My only *minor* issue is that they are sometimes difficult to get a hold of, likely due to how many clients they work with. Still, they always get back to you later and do well to keep you reassured when you are building your balance. So thankful for them and would recommend them to ANYONE!