BBB & Skipper, thanks for the cancelation letter! I was reading it and saw that they will hold all money until the balance *owed* them is paid in full! What? My account has $1,800.00 in fees, $12,500.00 of *my* money for creditors, and an amount *due them* of $9,793.53!!! Am i'm reading this right? If I send this letter in, I have to pay them another $9,793.53?? Do you think I will get any of this amount back? I just don't understand how people can hurt others like this???? So If any of you that have turned in your cancelation letters and have received money back, please respond!! You can PM if you want. I need all the info I can get for my Lawyer!!! Thanks everyone, Jerry