I received a letter from Capital Recovery and a few other tracer companies about5 months ago, I was kinda worried with signing with any of them so I came to this website to see what other people thought, but Capital Recovery seemed more professional from their letter, so I called them and they explained to me what goes on and everything, they said I dont have to pay them until after I get the refund check from HUD, so I signed with them, it took about 5 months and I got my check and then they sent me a bill and I paid 27% of my refund to them. I am happy and I didnt have to do much so I have no problems with this company.