This company deceived me by telling me that they charged no fees. But that they did provide their services for some kind of tax writeoff or some kind of jazz like that! I sent 3 pay ments to them and 335.00 wound up only making one payment of a whopping 17.00 WHOOPIE! The same goes for my Discover card account which also receivad a minimum monthly payment. I could have been better off just paying my credit cards directly!