On 03/2009 I received the call from Life Changes Solutions. Somebody from Life Changes Solutions by the name of Toni. She informed me how they are a company that helps you get out credit card debt, by working with the credit companys and get your interest rates lowered and I will be debt free in 3-5 years. LIARS. I really thought this sounded like a good idea, getting out of debt. She then informed me that I would need to put $1295.00 on a credit card and that the money is returned if they can not save me $4000.00 or more on my credit card... read full review »