I WI was contact by a representative numerous times regarding this program. They must have gotten my information from something I had googled on line. Tons of promises to get me out of debt. They had me "transfer my debt to them" which did not even happen. Never settled one credit card debt and charged me $2500.00 up front. I have now been sued multiple times and all that Brad had to say about it was "This is very unusual because we have been successful for many years. i can't say why this didn't work for you." Finally figured I had been scammed and walked away. Never once did I receive any type of settlement offers of any kind and was never contacted by the company for any followup whatsoever. When I recently felt compelled to write them how i felt I was informed that it was my fought for not contacting them and that Brad Daley no longer works for them and that they had fulfilled their contract with me and had no other obligations to me and had been advised not to help anyone who tried to stand up against them for the scam artist they are. Do no trust these people please. I was desparate and wanted to beleive their were good people out there who really cared and wanted you to have a fresh start but I should have known better.