They do not disclose accurate time of pay off. They do not negotiate payoffs with the credit companies as they state. They advise you not to pay your creditors because this will help with negotiations but then all they negotiate is the fees you occurred while not paying the bill. This has been the worst decision I have ever made. I would have been better off by far filing a bancruptcy. 7 years in and I still owe them 2500.00 in fees.
Recommendation: Do do debt consolidation it's just a scam!