I wish I had checked out Juniper before we got my cards with them. My Mom hit a difficult time time due to illness she is 79 yrs old.
We took her to Credit Counseling and they sent out proposals. However of all the ones sent out Juniper says they never received it nor have they ever cashed the check that was wired to them. They kept saying it had to be at least 2% of the amount owed. The credit counseling place was sending way above what they would require.
These people are hard to work with!