I called them after being denied at several other pre-settlement funding sites, and i've called 5 times, given my name, phone number and email, and am still waiting for a call back just to fill out the basic application. I called them specifically b/c of the good reviews. The last person put me on hold in the middle of our conversation, and then an automated voice said: our operators are off duty at this time. Maybe i've been cut off b/c i called so many times, but if you can't even fill out the basic application (which i've done over the phone in 20 minutes at a couple of other places) in 10 days, they need to step it up ( i don't know, may be they're going out of business or something?) I don't have a real gripe with the company yet, but if i don't get a call back in a day or two i will.