IDMS is very helpful from my initial inquiry to the time I completed paying my liability. Rose is very helpful, patient and empathetic. Even up to now, whenever I still need help from her, she still treats me as her valued customer. Off course, I will not forget to mention Mr. Mohsin. His negotiating skills with the banks is a topnotch. A big salute! I RECOMMEND their service to everyone who wants their finances back on track. They are not pushy and hardsellers. They will find all options that suits your financial condition.