This company is a BIG scam!!!!!!! Extremely poor customer services. I was at they programm for 2 1/2 years,never miss a payment.in the end payd the summ equal my whole debt and end up in $6000 court with company ,PFS was not maked any contacts. Now they not even return my calls and not pick up a phone on me and not return e-mails.refusing provide any documentation proving me being on they program.. They just dump me to deal with courts. Definitely will report to BBB . Shame on you PFS.