I had some seriously difficult issues with my direct deposit. THEREISNOFEEFOREARLYPAYMENT. This is a big deal since most want you to pay their insane interest rate for as long as they can. I found this ethically sound. Also, the women handling the cases were honest and gave me very helpful information. I can’t rave enough about company. I was stressed beyond belief when I walked into the office and left with relief, gratitude and hope. GOHERE — don’t waste your time going to other places. this company is on the up and up