A WHILE AGO I REQUESTED INFORMATION FROM A ADVERTISEMENT COMPANY NAME PIC-A-CARD WITCH IS BASED ON KINNELON NEW JERSEY THEY DESIGN PRINT AND DISTRIBUTE BUSINESS CARD AS A FORM OF ADVERTISEMENT. MIKE SIGETY (SALES REP) CONTACTED ME, AND EXPLAIN THAT IN ORDER TO HAVE A BETTER UNDERSTANDING OF THE COMPANY AN IN PERSON INTERVIEW IS REQUIRED, WITCH I AGREED. THE DAY OF THE APPOINTMENT MR. SIGETY ARRIVED 1/2 HOUR LATE NOT A GOOD WAY TO START. THEN HE WENT THROUGH WITH THE INTRODUCTION OF THE COMPANY A SHOW SOME FORMER AND CURRENT CLIENTS LETTERS EXPRESSING GRATITUDE AND SATISFACTION FROM THE COMPANY PROGRAMS AND THEN WENT UP TO EXPLAIN THE RATES AND THE ADVERTISE PROGRAM. I WAS REALLY SURPRISED THAT THE PROGRAM IS REALLY EXPENSIVE AND THAT THEY DO NOT OFFER ANY KIND OF GUARANTEE THAT I WILL HAVE INCREASED AMOUNT OF CALLS AND OR CLIENTS I WAS NOT SATISFIED NEVERTHELESS I WAS FORCED TO SING A CONTRACT AND GO THROUGH WITH THE ADVERTISEMENT PROGRAM BECAUSE AS MIKE EXPLAIN IS THAT ONCE A SALES REP DO A IN PERSON VISIT TO POTENTIAL CLIENT A DEPOSIT WAS REQUIRED ALTHOUGH I WAS NOT IMPRESS OR SATISFIED WITH THEIR SERVICES. COUPLE DAYS LATER MY CAR BROKE DOWN AND I REALIZED THAT IN ORDER TO HAVE MY CAR FIXED I WILL NOT BE ABLE TO PAY FOR THE ADVERTISEMENT SERVICES OF PIC-A-CARD; SO WENT AHEAD AND CALLED MIKE SIGETY BACK AND EXPLAIN THE MY CURRENT SITUATION TO HIM AND REQUEST NOT TO DEPOSIT THE CHECK I HAVE WRITTEN TO HIM FOR THE SERVICES HE TOLD ME THAT ONCE A DEPOSIT IS MADE THERE IS NO REFUND BUT DO TO THE SITUATION HE WILL ALLOW TO DELAY THE DEPOSIT OF THE CHECK. LATER ON I NOTICED THAT I WILL NOT BE ABLE TO PAY FOR PIC-A-CARD SERVICES DUE TO PREVIOUS FINANCIAL COMPROMISES AND I DID NOT REALIZED THAT BEFORE I SIGN THE “CONTRACT” WITH PIC-A-CARD RIGHT NOW MY FINANCIAL DISTRESS CONTINUES AND I AM FORCED TO FILE FOR BANKRUPTCY I WROTE A LETTER TO MIKE SIGETY WHO IS MY ONLY CONTACT PERSON FROM PIC A CARD AND REQUEST TO CANCEL THE CONTRACT BUT THEY SAID THAT IS NOT POSSIBLE AND THAT IS MANDATORY TO GO AHEAD WITH THIS CONTRACT I EXPRESS TO HIM MY DISSATISFACTION WITH HIM AND HIS COMPANY AND LET HIM KNOW THAT I WILL INTRODUCE THE COMPLAINT AND GO THROUGH OTHER MEANS TO CANCEL THIS ABSURD CONTRACT .