I've read the many complaints about PDM International and wanted add my complaint as well. They promised to lower my interest rate and/or lower my debt and provide me with a budget that would help me get out of debt. The package was pretty but it didn't provide information that I didn't already know. I wanted them to do what they promised, lower my interest rate and if not, get a refund. I've been calling the number they provided but no answer. I'm so disgusted with these "wolves". read full review »