I'm imagining that the reason there is no money is that the money that comes in does not indeed go to a trust account, if it did, we'd all have our refunds without having to go through the BBB, attorney general or our congressmen... fact is, you have damaged people's lives YOU, Hyla, have taken us all. Each one of us came to you in good faith in the hope we could get our finances back on track whether it be because of divorce, job loss, etc. You have taken advantage of us and frankly, welcome to the club of being under doctor's orders... you did this, join us in the waiting room. Financial stress, the burden of bankruptcy, reposession which all of these things were to be avoided causes heart troubles, anguish, depression... how would you feel if the company you trusted to take care of your debt for you and you paid them to do so, did this to you? How would you feel when you still have 2 weeks to go before payday and your bank account was DOUBLE drafted... and it caused you to have -50.00 to get you through two weeks. And hmmm... did that double draft happen about the time you refunded everyone in ARizona?