Advertised as a free help kit that will get you debt. There is 2 pamphlets that give you the same information as available from your credit card companies or anywhere on the internet. Charges $80.00 monthly to the card that you paid the shipping cost to. They told me to send it back after the first charge and said they would stop billing me. They have kept on charging the $80.00 every month, even though I returned it. They say they will call you back when you call to complain and never do.