Very simple; if companies, like individuals, are unable (or unwilling) to pay their debts, their legal recourse is to declare bankruptcy. At least in my case, high E-Reward surveys that are FULLY completed are not being credited. Any inquiries/questions are either not being addressed or are total ignored. That leaves a lot to be said for its customer service and credibility. As stated earlier, E-Rewards' non-payment of completed surveys, leads me, and maybe others, to believe this company may be in financial trouble and thus might be a candidate for bankruptcy.