I have been blown away with the level of dedication, customer service and patience provided by this firm.  My husband had acquired a large amount of debt from school (an education he was unable to finish due to extenuating circumstances) and that debt was always hovering over him.  The debt collectors were offering ridiculous payment plans ($600 - $1200 a month when my husband only made $1000 a month).  Finding any resolution seemed hopeless, and then the loan went into default.  We knew we needed to seek help. My husband and I had a preliminary meeting with Arthur Lebedin to go over the details of the issues.  He was very understanding, patient and explained everything to us in terms we could understand.  He assured us that his firm has a good relationship with many debt collectors and they'd been successful in reaching agreements/payment plans that work for both parties. We had a lot of back and forth, but that's a good thing in this case.  They always kept us updated with what was going on.  We were dealing directly with Esta Kravets, a paralegal who went above and beyond the negotiate our debt agreement.  She worked with us over several months and assured us she would get us a deal that we could be comfortable with.  Anytime I was worried about the amount of time that had gone by, I was reassured that they were handling everything. And they did!  My husband ended up paying 1/3rd of his original debt.  That's amazing!  Resolving our debt paired with the overall professionalism and service they provided us during the entire process is what makes me give 5 stars.