After thinking about their pay off your credit card debt for 36% of the balance, using a record and satisfaction for almost a year, I decided to try their program.
Their sales person Enersto Melo promised me that this was all legal and that it workes and that they have less than about a 5% failure rate. I figured becasue there was an attorney involved that this must be a good thing based on the promises of "100% money back guarantee" by Mr Melo. Well after spending $20k plus and a year later I was getting collection agency notices, after mailing and faxing letter after letter to these snakes, I figures I was screwed.
I was, the credit card companies simply took the 11% that they received (B&Bkept 22% of the total) and applied it as a simple payment and not that it was to close the books. Imagine they ripped me off fo over $11,000 dollars for sending these companies my checks with their "restrictive endorsement" and perhaps a few letters, which accomplished nothing to the creditor.
A year later I relized that I could have accompliseh everything that they did for free and saved myself the $20 k and been no worse off. Their money back guarantee was worthless, they would not stand by that in light of the fact that I was being hounded by collection agencies; proof that their program did not work.
They said that they did their job. Despite my asking for it; they never gave me a copy of the executed contract that I am entitle to by law. If you dealt with these losers, fight them. Personally I hope they rot in jail.
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