I've been working with these people for a year, the smooth talking "representative" sold me a bill of goods, NONE of my cards were in arrears, all charges made to the account were legit on the initial phone call. It wasn't until I started receiving letters from my credits for non payments did I start to worry; when I called them about it, they said "well we can't work with your creditors until the accounts are arrears" I said, "If I would've been told that at the initial phone call I would've hung up the phone and kept looking"  They said, "well we do tell all potential customers that the accounts have to be arrears, and we record all of our "sales" calls, so we will listen to the tape and prove to you that we told you".... well I've never received a call, copy of the recording or any such confirmation that agreed to let my account go in arrears!!! They give you a song and dance about "disputed charges" and the possibility of your creditors doing illegal things, which is why the "process" takes so long...its ALL BS!!!  So I guess they couldn't prove their case. Then the summonses started showing up and I'll they've done is completely ruin my fair credit rating from 680 to 588... they said that your "credit fluctuates" during this process!!! MORE BS, because as you all know it takes YEARS to get your credit back up once it's gone below 600;They it would all be settled in a year, and if not then they will settle with my creditors and I would just pay them for the "loan"; again I make the phone calls, and am told, "we never say that, this kind of thing can take three years to settle, and I'm sure you were told all of this initially", when I say "no I wasn't", again, the "we have proof on tape" and NOTHING...Every month from the beginning of this program has been nothing but a nightmare; from the lies AFTER my credit was ruined; to every LIE they've said about how they are "helping america"!! What a farce. I called the lawyers from my credit card companies (cause NOW I'M BEING SUED BY MY CREDIT CARD COMPANIES BECAUSE OF THEIR LACK OF SERVICING OF THE ACCOUNT!!!!; which once that happens, you are RUINED even further) and found out from one of them that they have NO RECORD that they were EVER contacted by this company.All my credit card companies and their respective attorneys have said that these companies are SCAMS and that they've heard the same story from at least FIFTY people (half of them coming from THIS COMPANY), that companies like this RUIN people, and once the account goes into arrears and sent to a debt collecting attorney, unless you have the money to pay it full, have to put down large down payment to settle on a payment plan; YOU ARE SCREWED AND RUINED WITH NO WAY OUT IF YOU DO BUSINESS WITH THESE PEOPLE!!!They robo-signed my contract, so it's not even my legal signature on it; but they still want to tie me to it; which isn't the least bit legal, according to a few attorneys I've spoken to!! What I want is the nearly $3k I paid them for in essence DOING NOTHING!!! They won't give it back, but I will not stop until I see my refund, and will continue to go on every on-line review with this company, and tell my story, I am also going to report them to every consumer fraud agency from state to federal so this doesn't happen to another fellow citizen!!! I know that someone from the company is going to respond, and apologize for my bad experience (as I've seen from all the prior reviews)  and tell me to call customer service for further details about my account!! Save it please, and unless you are going to rescind the contract, NOT TAKE ANOTHER DIME FROM ME GOING FORWARD... then I don't want to hear from you!!! You people are unconscionable; and have ruined me and countless others with your promises and inaction!!! You have received numerous calls and complaints from me and still have done NOTHING but RUIN ME EVEN FURTHER. If you are going to respond to me, respond to directly either via my email address or my phone number; not from this site, then we can discuss dissolving our agreement and giving me a refund for all NON WORK you have done on my account!!! No matter what you say, YOU'VE DONE NOTHING, I've called EVERYONE you were supposedly working with and YOU'VE NOT DONE A THING FOR ME!!!! So a refund and/or NO FURTHER PAYMENT TAKEN OUT OF MY ACCOUNT GOING FORWARD IS ALL I WANT TO DISCUSS WITH YOU!!!!