DO NOT PAY THESE PEOPLE. THEY ARE FRAUDS. THEY DON'T HAVE LEGAL DOCUMENTATION STATING WHO THEY ARE, THEY DON'T SEND LETTERS OR EMAILS, THEY GET YOUR INFORMATION, TAKE YOUR MONEY AND THREATEN YOU IN ANY WAY POSSIBLE, AND YOU NEVER GET TO KNOW WHERE YOUR MONEY WENT. TRUST ME. I MOVED TO TEXAS AND THEY SAY THEY WANTED TO SUE ME FOR FRAUD AND THAT THEY ARE GOING TO SUBPEONA MY REFERENCES, AS WELL AS CALL MY JOB, MY BOSS, MY HR DEPARTMENT, AND PAYROLL AND GARNISH MY WAGES. THEY CAN CALL ALL THEY WANT BUT THEY CANNOT DO ANYTHING. BE SURE TO LET YOUR BOSS KNOW EVEN THOUGH IT IS EMBARRASSING, BUT SO THAT THEY DON'T LET THEM TAKE PART OF YOUR PAYCHECKS.