It is hard for Julie and I to imagine anything but good service and great results from this company. When we heard there were some anonymous complaints on this site, we couldn't believe it. 6 years ago we were out of control with our finances. It had beening going on for more than 15 years. Fortunately our local credit union loan officer recommended that we should check out NO MORE MORTGAGE. They gave us free information -- it really was free and it really got us thinking about where we were headed. They recommended that we get a free analysis. It really was free. It was very thorough and everyone we worked with was respectful of our situation and so helpful. We ended up getting on their full program and it was exactly what we needed. The costs were built into the program and amounted to a very small percentage of our savings. We are saving more than $200, 000 in interest, paying no more than we were before. We are now only 4 1/2 years away from beging completely debt free. We had lots of credit cards, two car loans, and 6 student loans. Now we are down to just our mortgage and it is going away so much faster that we could have believed. It is half way gon already! We will actually be able to retire comfortably. This would NEVER have happened despite our best efforts. This program makes it near impossible to fail, we don't even have to think about it. I was the problem, not my wife and we would have never accomplished any of this without this program. No lie: After hearing of our results, my younger brother my cousin and my next door neighbor are on the program and having similar results. I will tell anyone who wants to hear how great this program is. Anyone who questions this company should get their own free analysis. Its free. It is just dumb not to check it out and get all your questions answered. They are long time members of the BBB because they treat people right and do a great job. They are great people to work with and the program works! Dennis and Julie Smith, Houston, Texas (well on our way to being completely debt free)