I have had absolutely no problems with Top AGent Toolbox. I suspect some of the "complaints" being filed online are guerilla warfare tactics by some of Top Agent Toolbox competitors. There are lots of agents who were sucked into Craig Proctor's "Mastermind Coaching Program" to the tune of 10K upwards of 20K per year -- who abandoned his ridicuously overpriced program to avail themselves of the tools and resources available at Top Agent Toolbox. Contact TAT and ask for an inside tour before you sign up ... seeing what they have to offer is believing. Then download the 500 or so fully customizable marketing pieces they have from their online library.