Look you guys, I went through this company, because one of my good friends said I should, but he had only been in for maybe a month. Then, yes things were great. Am I a disgruntled client, absolutely. When money gets taken out of your account on the wrong day, when you try to get in contact with someone and you can't, when you have a freeze on your account because your correspondence is going to these guys like they requested it to and it is not being handled in a timely manner-YES, I SHOULD BE DISGRUNTLED. I only referred my friends, because things were very well in the first month-it's been a rocky road since then. Oh, and unless you knew Crystal, like I knew her, you would be pissed that she was no longer there. She really cared-she went out of her way, I mean worked hours and hours-to take care of things that an OWNER should really take care of. I've been doing some investigation myself and just recently found out that she was let go, simply because she cared too much-couldn't find an ice-cold bone in her body-NOW THAT'S SAD! So, to anyone out there thinking about using them, consider how much debt you really have, before you attempt to utilize their services. To questham2, I do apologize, but I really hate to see people go through things unnecessary! GOOD LUCK!