Frank de Simone and SMART offered me spectacular returns for a meager $9, 000 investment. After more than 6 months, he has never fulfilled his promise and has continuously changed the business model. I requested a refund when offered and I have not seen a cent since. It has been 3 months and this guy Frank is nowhere to be seen. Don't ever trust what he promises and stay away from SMART medical credit... read full review »