The contract I signed states "can reschedule payment date; $35 fee will apply." I thought I had rescheduled the date because the "credit counselor" said "everything is taken care of." Now I realize they talked me out of submitting my request to reschedule in writing. When I disputed the charge to my debit card, Patrick Butler wrote to my bank saying "we did not receive her request in writing." Also, "results guaranteed" as advertised on Gmail is a scam. Patrick Butler wrote to my bank... read full review »