There are a handful of complaints with 1,000's of clients, so it seems to me there's a lot worse ways to go. Bankruptcy sticks you good for a decade on your credit report, but comes up forever on any background searches. We run them on staff applying for jobs and it doesn't go away. So I'm sticking with it and it's working for me. Also I understand it's a few year program and don't need to call customer service all that often anyway, but whenever I do they've been real helpful.