Power of Debt Consolidation

Yesterday, I was considering taking out a loan from a certain company, but after reading simplepath financial reviews https://nationalcreditfoundation.org/simple-path-financial-review/, I started having doubts about whether it's advisable to work with them. Can anyone share their experience if they've taken a loan from this company? How does the company handle situations like late payments or a client's desire to repay the debt ahead of schedule? The mere fact that they have a long history in the market and receive good ratings doesn't necessarily reveal the full picture of their services.