We are working with him and I highly recommend him. He has saved us THOUSANDS of dollars and probably even a trip or two to court. He even told us up front that with our debt load, we would probably be facing at least one lawsuit. He has worked with our situation and we have avoided that and will be done with the program later this year.
His fees and schedules of that are very reasonable since he understands that you have to have money for settlement up front--not for fees.
I highly recommend him and am glad we have done this program. He has saved us from certain bankruptcy.