I am writing this review to let whoever needs to know no that the representative that helped me was very thorough and explained everything to me so that I could understand. He was very kind and very generous and very willing to answer every question that I had therefore I am very pleased with the agent That handled my work or account Julian I believe was his name Herrera what a great guy I really enjoyed speaking with him. He made this really simple for me with him working at that company. It will make it very easy for people to understand the process of the debt relief. Thanks again, Julian.