For almost a year I've been lead in a circle, serviced by a very curt and ineffective counselor -- nothing has been done on my account to my knowledge. They've lied about their services, and NOW . . . I've e-mailed, tried contacting by phone only to reach full voice mails, no response from e-mail, a rude receptionist (finally a live person) who is full of excuses but not able to take a simple phone message. Please DO NOT WASTE YOUR HARD-EARNED MONEY on this SCAM!!! read full review »