On November 7, 2005 my oldest son died from the serious congenital heart disease he was born with. Shortly after, an ex-coworker approached me about a company that she was working for. And according to her, they'd changed her and her husbands lives. By all outward appearances it seemed to be so. ie:they both were driving expensive new cars, they lived in a new upscale home, etc. Between this couple and the Vice President of the company, I was pursued unrelentlessly. And although I turned them down many, many times, there came a point when I gave in to their requests to help me. The company is called Diversified Management Consultants, and what they proposed to do was to take the equity out of my home and help me to invest it in real estate. And in the last four years they've done absolutely nothing/not to mention they set up a refinance that has put me upside down, owing three times what I owed before.