My sister in law, who lives in NJ, spoke to someone in the Syosset, NY office. They have taken $250 from her every month since january but paid not one creditor. They are telling her that she hasn't given them "enough" money to pay any creditors. But they have over $2000 of her money, so I find this hard to believe. We used The Credit Card Foundation (TCCF, or godebtfree.com) to relieve our credit card debt and have constant contact with them, as well as a website to log in to see exactly where our payments went. She lives in NJ, the firm is in NY, and I'm afraid she has been scammed.