I contacted them to help lower my mortgage rates and credit cards. They would stall and would not answer email or phone calls. When I had enough, I contacted them by phone and stated I wanted out. They finally agreed that I could be let out of the contract. I had paid them $1995.00. They stated that they would give me $1300.00 back. I have yet to receive the money. They will not return my calls or email. This is a bogus company who prey on people who are struggling to keep afloat. We have had people contacting us, demanding money owed to them. We were told to tell the company they would receive money soon. It has bothered my health and well-being and concentration at work.