They call and tell you that they can save you money on you credit interest rates, even guarantee you that you will save $2500 or your money back. The problem is in their wording the say they will "show" you a savings, the way they show you that is by sending you a report telling you to continue paying the same amount consistently as you are now for the next 5 years and you will pay off your bills in 5 years versus 30 years. In my opinion anyone can tell that if they do that instead of dropping the payment as your balance drops you will... read full review »