If I could go lower in stars I most definitely would. Due to income loss I got behind on credit card bills and just couldn't catch up so I started looking into debt relief, the company that I found is called Financial Warranty, I started with Financial Warranty on 08-16-2019. When I had originally signed up with them they ensured me that I would be taken care of and not to worry about anything at all. They stated that if any creditors called me not to talk to them and to tell them that I was working with a debt consolidation company and that if I received and paperwork from any of the creditors to send it to them and they would have their legal team look at it, take care of it and not worry about anything, stupid me I trusted what they said. In the 2 years and 1 month they did absolutely nothing, all of the accounts that I had all went to the court and then they told me that my only option as of right now is to claim bankruptcy which I WILL NOT DO! I then figured it out myself and took care of them without having to consider bankruptcy. SO IF ANYONE GETS A PHONE CALL from a place that's called Financial Warranty just know that it's a huge scam, you will ultimately pay for them to do ABSOLUTELY NOTHING. Don't fall for it. They are nothing but a huge scam! For the 2 years and 1 month I paid them almost $7,000.00 which I could've used towards the cards that I owed on.