My Sr. citizen mom went to them to settle a debt with credit cards and a furniture company. She made it very clear that she wanted her debts settled. They charged her $3500 to settle her debts. They took her money and never settled. Now they are telling us my mom wanted credit repair...HUH???? they are not willing to work things out, they are fraud. My mom is now getting sued by credit card companies .WSTAY thye s