My husband was married to someone else in 1998. They separated, and she took the home. She let it be repossessed, and filed bankruptcy. Now, in 2008, I receive paperwork from the IRS claiming 20,000 cancellation of debt. They are claiming my husband owed this money, when it was already taken care of in HER bankruptcy!! They're trying to get their money TWICE, and went through the IRS to make us pay taxes on the 20,000 amount they didn't recoup from the sale, which they consider INCOME???? We did not know, nor did we receive any money from this. Now, we get to pay 3000 to the IRS for something that was already paid for!!! DO NOT use this company FOR ANY REASON!! They WILL get you.....even if it takes them 10 years.......And, forget about customer service. You're lucky to get a person on the phone...then they talk you into a circle and tell you nothing anyways.