This company says that they will get you out of the payday loan trap, but all they do is take your money and cannot tell you where the funds are going, a legitimate business would not act in this manner. They also DO NOT pay or negotiate with any of your creditors, all they do is validate the debt and THAT IS IT! Shame on me for wasting my time and money with them. Take my advice and run as fast as you can away from this this supposed business.