thank god for this site.. I thought it was about my divorce.. just a mediator .. I was a loser in a my twenties..and owed pretty much every one money .. aprntly this company had to hire a mediator and so I got to set the terms, and I barely paid anything at all I wish all finance agreements had an option to talk to a mediator.. dam bill collectors nearly gave my mom a heart attack one time.   I plan to hire these guys to help me with some other bills.. I didn't deal with Rudy but I did talk to him, he does seem a little abrasive, but to the point ..anyway just thought I would share because others did.