BEWARE -This guy Keith will SCAM you. He operates as Wave Asset Management and says that he will settle credit card debts with you if you send him money each month. Be very careful as I have received nothing in return. He will not give me any of my money back. This guy Keith Haddix has also been on ABC news on several programs including 20/20 and the I-Team -he worked for a company named Peoples First Financial while featured on news programs from unhappy customers of his. Keith is very deceiving person and will lie to you until he can coax... read full review »