I entered thier program under high pressure and this co. has done nothing for me except take my money. I found out an ex mortgage broker Jason Evans is the owner and they are scamming people. It's been months and I'm getting calls. lawsuits , with they promised me would not happen, and can never get thru to cust. service, they ignore me. I then founfd out they have a big fat F with the BBB! I'm cancelling my draft, stay away from them! debt free Financial Group in Irvine is part of American Financial Service out of Bakersfield customer service told me the one timme I got thru to them!