Just like everyone else, my fiance and I got ripped off by these people. We went to the cooking show thinking we would just leave with the free things offered. Nope, we were also duped into a package. They raised my payment from 65.00 a month for 13 months to 123.00 per month with out a warning and charged me 30.00 late fee. Then the next month I paid the 123.00 and they charged me another 30.00 saying I didnt pay the shortage fee from the month before. I told the it would be a cold day in hell before I will pay these fees and they call 5 or 6 time a week trying to get me to pay. I told them to get the payment back down where it should be and I would think about it. Now they are threatening to take me to court and garnish my wages and say they are going to send it out for collections. I was shocked after over a year with out any payment trouble they take advantage of me. Now they say I am moved to a higher interest rate for non payment. They never for filled the vacation they included with our cookware. Everytime I called they said they were booked up full and to check back the next time we can get off work to go. What a bunch of scam artists.