So far I've been very happy with optima I had minimal paperwork from my business because I got sick and when it got shut down the previous owner threw my paperwork away and optima has been able to work with that and I'm very thankful I have an appointment on the 19th at 2:00 p.m. to find out the final outcome I pray the optima has gotten rid of my bill because I have given optima all my money I have no money to pay taxes I am disabled living on fixed income