"Junum buys bad loans from banks and other lenders and works with borrowers to restart paying on their defaulted loans at low monthly payments. in addition to receiving loan payments, Junum charges a monthly fee, ranging from $9.95 to $35.95. Junum works with credit bureaus to clear the credit blemishes of it's customers due to defaults and delinquencies." I don't make a habit of bothering Junum by telephone, but I am curious as to what clients get for these prices. So I may call them tomorrow. If anyone else reaches them first, post what you find out on the board. I pay $21.95 per month.