CMS WHICH IS RUN BY BRAD DALEY IS SUPPOSE TO ASSUME YOUR CREDIT CARD DEBT AND RESTORE YOUR CREDIT RATING IN ABOUT 1 YEAR. WELL, THIS IS TOTAL NONSENSE. I AM NOW BEING SUED BY 2 OF THE 4 CREDIT CAR S I HAD TRANSFERRED TO CMS IN MARCH 2009. CMS ALSO JUST BEFORE THE END OF 2009 ADVISED THEIR CLIENTS THEY COULD NO LONGER HELP US WITH OUR CREDIT RATINGS AND WE HAD TO DO IT OURSELVES. I HAVE ASKED THEM FOR HELP WITH MY LAWSUITS AND THEY SIMPLY SAY THEY CAN'T HELP. THIS IS A HUGE HORRIBLE SCAM. I HAD A GREAT CREDIT RATING OF 788 BEFORE I WENT TO CMS. THEY USE SECVERAL Addresses and names. I have mucho info on them. Ii have also filed complaints against them with the FTC and the AG's of nj, georgia, alabama, missouri aND ILLINOIS.