Scam. The plan states that they will send a letter on your behalf to resolve a legal problem. What they don't let you know is that it's at the discretion of the lawyer and the only way the lawyer is going to write a letter is if you retain them. I tried for 3 months to get a letter made to resolve a problem I was told I had to retain a lawyer first. It's only a matter of time before this app gets sued in some class action.