This company took my money, sent me paperwork , which i filed with the court. When i went to my creditor meeting the trustee told me everything was wrong, even the forms were wrong he was very mean and said i had to start from scratch. I still had to go to a lawyer. Of course bridgeport will not answer my emails. Feel stupid because i shoulda done my research. I filed dispute with my bank and paypal. not sure will do any good but worth a shot.