This company call my 69 year Mother and claimed that they could lower her intrest rate. They told her it cost her $890.00 one time fee. In which she allow them to charge her credit card. They told her that if they couldn't lower her intrest, they would refund her money. So when she told me what she had done. I call the number that they gave her, And the number is no longer in service. I really think there should be something done about these people taking advantage of elderly people, Because most of them have very tight budget. and can't be giving money to scam artist like these.