Where to begin. These guys said they had experience negotiating SBA loans down to 40 cents on the $. They charged a flat fee and immediately handed me off to Malina, a paralegal. It took a bit of prodding for her to call Treasury (which, I had told her the SBA had transferred my loan to), and another... two weeks for her to inform me that Treasury did not have my loan after all. (They did. Pro-tip: It helps to give them the loan number.) When I said, what happens now, she said, we work out a payment plan (which I'd already had). When I said, what happened to forty cents on the dollar, Malina started sputtering. I didn't bother asking for my money back. I'd avoid at all costs - literally, I'd pay money not to have given these guys my money.