This company preys on people's vulnerabily. The sales man was fast talking and before my father in law knew what he was doing, his credit card was charged $1390 for a member ship fee to become a member in this organization that would help to lower his interest rates. They then sent him a packet in the mail which asked for all of his credit card information .The disclaimer is that they can not guarantee anything. When we called the compnay they had my father in law on tape saying that he agreed to the amount, but you could tell by the tape... read full review »