I was contacted in May of 2008 with an opportunity to take 'first steps towards financial freedom'. The telephone caller offered ways to save me a minimum of $4000 with an accelerated payment schedule and promised reduced interest rates on my outstanding credit debt. The cost would be $900 on my highest debt holding card, and then they would contact credit companies to reduce rates and work out payments over a 4 year period or less. This initial fee was arranged and paid within the weekend. I submitted material, but heard... read full review »