I have had the worst experience with this company. They never listen to your needs or wants, if you do not do as they say, they will threaten to remove you from program, they will land a contract with you allowing you to pay a certain percentage of your income, then over raise it to the point where there is no room to get any of your personal items, they lie, they cheat, they steal. I do not recommend this program to anyone at all. I have reported them to the Bether Business Bureau.