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I got an email about this program so called in. I requested the free information be sent to me and was only charged for S/H. (less than $10). I got a large box with manuals, worksheets, and DVDs to learn about how to get my debts under control. If I wanted to stay with the program, they would bill $79.95 to my card once a month for 5 months for the materials and coaching. If not I simply needed to return the materials within 30 days and that would be the end of it.
About 2 weeks after I ordered materials I got a call from a very nice gentleman and we spoke for about 45 minutes about my situation and the program. He advised what to do next and he emailed me a worksheet which I filled out with my debt and income situation and faxed it back for him to look at. Then we spoke again and he gave me further guidance. He told me I could call the customer service number and ask that they delay the first month's charge, which I did and they were happy to comply.

Apparently their system tracking that I've been assigned a coach doesn't work very well, as I've gotten calls from other coaches, not aware that I was already working with someone, but I never minded it as they were always very nice and professional.

I'm ready to start digging into the program and installing the software they sent, now that I have my tax refund. I'm even going to have my coach recommend how much to pay to each creditor. I firmly believe the program will be truly helpful to me. They have operated above and beyond and I have no complaints with the service or the billing.