I was scammed by NJ / Apply Knowledge. Why I signed up is a mystery to me. I always tell telemarketers NO. I still am baffled after 18 months. I have complained and complained about dfferent things for the entire time. Someone needs to call 60 Minutes and get them to research and do a story. I do think that they charge to all that they can when you give them the balance on your credit cards. I'm going to have to clean out my IRA to pay off the bill. I made $489. between March 2010 and the end of July. I am going to fight them to get them... read full review »