This company said they would work with me to save me at least 2500.00 on my high interest credit cards by lowering the interest rates to near 0 percent. And they said they wouldn't charge the fee of 1095.00 until that work was done. Well, they lied. All they did for me was told me how to get a 0 percent interest credit card for a year, and then I had to get it on my own. I also never received the informational packet in the mail that I was promised. In addition, they use shaddy practices on the phone. I requested my money back, and they refused. I was told they filled their obligation. Again, another lie!