I was hospitalized and when contacted by Cardon I used them to process the needed information for payment of the bills. They also offered assistance to pay and other helps. I don't think they work like a bill collection agency. I really found them helpful. They offered to get me assistance filing for disability too.. They called today to follow up on that.I didn't recognize the number today and then saw what was written. Thought you would like to know. Maybe you should get this call. It helped me.