Dont trust them...they are scammers........... I contact Joe. In jan regarding my debt,n i was told that after first payment they gonna talk to my creditors,they took almost 4000 $ cad from my account till june afterthat nobody contact me im trying to contact them nobody answering even their toll free number is not assigned too,seems like i'm scammed by these scammers.. now forward im gonna filed complaint against them..so they not scammed anybody else