BEWARE! Echelon Direct is a new company name for this scam. Josh Tornberg a.k.a. Joshua Matthew Tornberg, now age 36 (but looks 46), incorporated his company called JT Consulting Group, Inc. on 2/22/10 and is located at 1410 Grand Avenue, San Diego, CA 92109. If you research this guy, he works for Paradigm Direct. On 3/31/11, a guy named Joe Butler called my business. I explained to Joe that I am not interested in switching my processing company. He kept interrupting me and giving me his sales pitch about providing wholesale rates and having... read full review »