Notice the answer from 'Shelly" is always the same: canned garbage. She must be the company shill for just another Internet dupe site which exists as a flagrant rip-off, Period. These types of scumbags always crawl out from under some rock when the economy is hurting because these packs of clowns can't get real jobs except writing good canned excuses for their behavior and hiding behind technology or weak laws. Anyone can find some loop hole in the system to rip you off, just like fishing lures are made to catch fishermen not fish, in all honesty (read honesty dirt-bag mutual.com). I do wonder just how bad it must be getting for Montel, being such a front-man, given all his other problems. Sad, really sad.
The trick is knowing which hook to latch onto in bad times and having the guts to go all the way legally and otherwise to get them out of the system once they rip you off, so we can have returning good faith in the economy, which we all depend on as a society.