Thank you, I absolutely agree. One of the ones I talked to even stated they would have a lawyer for you if you had to go to court for any reason, then in the contract (page 60+) they flat out state "We will not provide lawyers" it's sickening. Then they hire some standby firm you pay an extra $40 a month for so by the end of it all you are actually paying more than you would have if you just buckled down. I really hope a firm opens that looks at people's story and not their number. If a person has been making payments for years without missing something, why shouldn't a company say "They made it this far, lets give them a 10% and buy their debt out, they seem to be handling it."