They maxed out my credit cards to cover the cost as well as having to pay the difference by check. They did send me hardship letters that I had to fill out and send back to them. Now almost two years later all my creditors have sued me I have judgements against my property. No they do not answer phone, or emails I dealt with Darius Alexander and Brandi Young. I was told they would help me represent me and eliminate my debt or act as my defense they did none of these things no my credit is really destroyed and I still owe more than I did to start. They are supposed to help with debt. They did I am in to almost 50,000