This is a SCAM! My sister went with them because her minimum payment increased too much on her bank card. They started charging her right away and have not negotiated debt down at all. Told her to stop paying credit card so now they are calling her & is in collections. Told her the bank could take her unemployment so she switched banks but has greendebt relief automatically debiting from her new acct. She is supposed to pay them for 3 years.