I got one of their promo letters in the mail yesterday. They call it a Bill Consolidation Loan, but as I read it more of a cash out refinance loan. I know they’re legit, but I’ve seen a mixed bag of reviews. It says that I’m pre-approved (that and 50 cents doesn’t go far I realize). Just trying to figure out if I should consider it or throw it in the trash. thanks for any input.