JDI and associates has been up and running for a strong ten years now and is one of the strongest firms around JDI has been rated a 8.8 out of ten.they are a trusted firm and for a good reason. of course there are gonna be complaints from clients or debtors and yes there willl be people that call this a scam but you have to understand something these comments are coming from people that are getting sued or in the procces of getting sued of course there gonna refer to jdi as a scam but disregard all the scam comments as long as you have the letter of settlement in full letter you have everything you need to ensure your protection as well as answer any doubts you may have about this being a scam