I called them after calling 4 different companies to find out how much I owed on my foreclosed home after my divorce. They were very surprised I was contacting them before they had even started calling me (now the calls will probably start)...I owe over $70,000 but they said they would settle for $5,000. Now after reading this forum, I don't even know about dealing with this company whatsoever. They sound like a bunch of scam artists. I should offer them $1,000 and see if they will settle.