If you think you might need JK Harris, you definitely do not need them. They are a sham with contract representatives in most major cities. These guys meet with you, get you to sign up for as much they can get you to agree to and then you never deal with the "salesman" again. He gets his cut and goes to the next sucker in line. Then you are stuck in nameless faceless voicemail ***, where you are admonished about leaving multiple voicemails, which is their way of letting you know up front they are not calling you back. I only got... read full review »