Stay CLEAR of this company. I am ending up paying many many times more what I originally owed, due to their inability to cut deals with any of my creditors. A year later, I'm so much worse off that I was when I started. Not only that, they told me they were paying $200/month one one creditor, and I just found out that they have NOT been making the payments. Swiftrock Financial is a scam and I am looking to file a class action suit against them for false misleading advertising.