Loans on bad credit are hard, working with KPHO, the Attorney General and Banking Comission in Arizona got all Arizona clients money back, but it has to be started in other states the same way which is why we have used both Chris Hayes and the Attorney General, they forced MMG to refund all funds to Arizona clients, it took 4 months but they got their money back. If you are in Ohio, also contact your Attorney General and the banking commission, refer them to their Arizona counterparts and send them the tv report link I added to start, if you aren't on the back end of the payment schedule, they will force them to repay all the funds you submitted, but better hurry, they are moving out of Arizona and on their way to Texas where there are no laws regarding their issues, by the way, they intend to start another debt consolidation service so anyone watch out. Anyone else you know that got screwed refer them to the same place, it will take several months but your State agencies will hopefully assist and if enough states complain, the FTC can step in and consider Interstate money laundering, that will wake them up. Hope this helps, if needed I have additional information