The people at this company knew from the start that I was paying extra on my credit cards, the same amount every month, but took me as a client anyway, promising to save me at least $1500 over what I would pay on my credit cards if I made the minimum payment every month.
That should have been a clue.
They helped me get a lower interest rate on one credit card account, but were unable to help with the second account. They said, "That's OK, we can still do this."
They sent me a 1/2 inch thick "Savings Plan" that explained to me that if I made the minimum monthly payment that the cards required now, and then continued to make the same payment amount every month, I could have my cards paid off in 4 years.
Then they charged me almost $1000 to tell me this. I could have had the cards paid off in 3 years doing what I was already doing and not getting charged almost $1000 for information that I already knew, and they knew that I already knew this information.
When I called them to ask for a refund, they refused, saying they delivered what they promised, which was a plan to save me at least $1500 if I was making the minimum payment.
Avoid this company at all costs! If you read what I wrote, you will know their whole program and it won't cost you a dime. Just pay extra on your credit card bills every month, and make the same payment every month. You don't need this company.
You can also call the credit card companies yourself and ask for a lower interest rate.
Joanne
Brookings, Oregon
U.S.A.