they are responding to my application I called and asked for an description of their business. I was told that they pay off your bills for you, would not send you the check and would work out some kind of payment plan (obviously they think I was born yesterday!)
i used them before, i had alot of my stuff paid off in 8months, but i turned around in had lexington law firm, help with getting things dropped of my credit, took about 3months all together, and i went from 415-to a 640 now in 6months.