In October 2009, USA contacted me via telephone regarding their debt settlement program. I listened to what they had to say for over an hour and at the time it sounded like a good idea. I authorized them to take funds from my account which they did for about 3 months. I later changed my mind about doing business with them as I could not reach ANYONE by phone, email, or fax. It wasn't until I threatened them with legal action that I received a call. I was told my money could not be returned to me and instead they convinced me to not waste the money that was in my account. I agreed stupidly. When I told her I didn't have the amount needed for the month of February, I was told I could pay their fee of 36.00 (Plan A or Plan B--per agent). She stated we would then resume regular payments. I'll be darned if the next day the whole 324.00 wasn't taken out of my account. Now I'm being told that they can't return the money because I didn't send them a letter telling them to only withdrawal 36.00!!! So now they have approximately 1, 500.00 of my money which they won't return and I can't even feed my kids or pay my mortgage. I will carry this complaint all the way through to the BBB and the Federal Trade Commission. I suggest if you have done business with them you do the same. If you've never done business with them and they call you--HANG UP THE PHONE.