Steelers, perhaps I wasn't clear. I have been over the last several months saving my $$ and now since I have reached my goal Langhorne will begin negotiations on my behalf with the PDL's. When the PDL Manager agrees to their settlement offer(s) then they get the manager to sign off on the agreement and notify the client who at that time, sends the $order to the PDL. When the $order is received by PDL then they sign that debt is paid in full and Langhorne then sends you copy of the document. I haven't received any calls from any of my pdl's and personally I would rather go to the bank and put the $ in the mail myself, that way I know where it is going and have a receipt of the $order, rather than anyone taking out of my account to send on to a pdl, then I wouldn't be sure if it really went where it was supposed to go. I have been very pleased with Langhorne.