I WI was contact by a representative numerous times regarding this program. They must have gotten my information from something I had googled on line. Tons of promises to get me out of debt. They had me "transfer my debt to them" which did not even happen. Never settled one credit card debt and charged me $2500.00 up front. I have now been sued multiple times and all that Brad had to say about it was "This is very unusual because we have been successful for many years. i can't say why this didn't work for you."... read full review »