Hargrave and Associates might be out of business but BFS Credit Services is not. This company is still operated by Kevin Hargrave or better yet...his wife. Check out the following links. http://www.sunbiz.org/scripts/ficidet.exe?action=DETREG&docnum=G08308900203&rdocnum=G08308900203 http://www.bfscredit.com/index.htm The office is right down the street from the old office. Is this a scam or what. Hope this helps read full review »