I paid for years on debt about $1000+ Lean on house for CC of almost 3k. Down to 1700 and they have to call each other to get settlement of a couple hundred bucks less WTF? I already paid a lot of it, that they paid pennies for. Harrasing calls, threats ect. Nieghtmare! LHR has bad BBB report and New York AG complaints. I can't get Hidden Oak to answer phone. Farel and Sholts can't make a desision without consulting Hidden Oak Group. Hidden Oak says they have nothing to do with settlements. Some one is lieing big time.