My father signed up for their "services" about a year ago for $990. They helped me get a new credit card and tranfer a balance but did nothing to lower any of his CC costs. They say you can call every 6 months and they will help you lower your CC interest rates. I called their number today (about 6 months from my last call) and the number is now an STD hotline!Beware this so-called debt management program. read full review »