I was so skeptical getting screwed over with companies online etc. When I spoke with North Star , company seemed legitimate but you never know. I spoke to them a few times before getting a letter (within 24 hours) - I then gained trust because they answered most of the times.
First letter was not accepted, but second letter was. North Star really thought about the letters, they did not just wrote something up.
I am very pleased with this company's service. They have changed my life literally, Im now back up and running!