THEY ASSURED ME THAT THEY COULD REDUCE MY CREDIT CARD PAYMENTS WITH A SAVINGS OF $4, 000.00, IF NOT THEY WOULD REIMBURSE YOU YOUR MONEY OF $990.00. WELL TO DATE MY CREDIT CARD APRS HAVE INCREASED AND THEY HAVE NOT GIVEN ME ANY REFUND AND WHEN I CALL THEY SAY ANOTHER 30-45 DAYS. NOW I CALLED AND THE NUMBER IS OUT OF ORDER OR NOT THE RIGHT NUMBER. THEY ARE A RIPOFF AND A SCAM. I NEEDED THAT MONEY AND I AM IN MORE FINANCIAL BIND THEN BEFORE I SIGNED UP WITH THEM. read full review »