Salesman promised to take over debt management as soon a pymt. from us was made. He'd call my creditors (he'd required recent bills from ea beforehand) My bills were up to date/paid up to that moment. ^ months later, and six months of letting them draw out of our acct. for our debts and NIL was done. I would not know now, if it weren't for collections calling. (which the salesman said would NOT occur). Anyhooo, I canceled way over a month ago. Havent received my refund, which they only agreed to partial. I'm going thru the BBB now, for which GHS has an "F" rating, by the way. Consumers and fellow debtors, beware!