I too have been scammed by these disgusting people. I paid them $1095 to get me lower interest rates on my credit cards. The only thing I got from them was a extra $1095 in debt. I faxed them to decline the offer within two days of getting their info packet and they told me I had no right to opt out. They refuse to refund my money and I haven't heard from them in 5 weeks. 67 years old and should know better. Do any of us have any recourse? Mary Ann Toney read full review »