NO THEY ARE NOT........THIS COMPANY HAS CHANGED THERE NAME AND PH NUMBERS ABOUT 4 TIMES IN A 2 YR PERIOD.....THEY DO COLLECTIONS AND CREDIT REPAIR......NEW COMPANY NAME PCS AKA POWER CREDIT SOLUTIONS 904 930 4332 ......904 930 4331......904 930 4333....OWNERS BRENDA POWELL TATE AND JAMES POWELL....