Company took money that was to be used to consoladate loans never called creditors never return my calls or messages when calling you get answering service that tells you to dial extension of the person you want to talk to only there are no extensions they will call you one or two times to make you feel good about sending them your money tell you everything will be all right but in reality no calls will have been made no will have been contacted they also are listed with the BBB so they are in business nusiness to con and scam people