REAL PDL HELP serviced my loans for almost two years. We did not finish - we almost finished but due to COVID had to include the rest in a Chapter 13. I was so impressed with the service I received! Phyllis was WONDERFUL and always responsive to my questions or needs. At the end I received a complete accounting of where my money went and have been issued a refund of unused funds. I have referred others to them and have heard nothing but good things from everyone I have referred. The creditors stopped calling once I got REAL PDL on board. I highly recommend them if you have a need for their services. They are legit and can truly help you. Thanks to all at REAL PDL Help - you were a true blessing.