Totally bogus! I signed up with them and so far they have extracted over $3000 from my bank account and put more than 90% of that amount towards their "fees." I was led to believe that they would begin negotiating my debts as soon as 4 months into the program, but so far they have done NOTHING for me. I opted to enter this program because I had multiple debts over several different accounts that all wanted high monthly payments, yet I could only afford one monthly payment. At this point in the program I would have been better off paying off my accounts one at a time and would have paid off at least of my accounts in full by now. Now they refuse to return my money even though they have provided no service.