Since loosing my job on 08/2012; My wife and I decided to try something new and start an online business. My friend e-mailed me a link www.realonlineincome.com which they have changed the website look; I guess to hide them selfs so that people don't reconize them easily so they think its a different company each time. I'm 21 and married and stupid. Thinking of ways to make a good living for my wife and logging on and signing up; I thought that I have it handled. Once filling out the form its only cost was $97.95 to sign up. You get to learn it all and make money online by posting links. I thought great, I can do that... But, that was not the case, It turned out that was just the start of a $5K nightmare package. I got a call from the guy named Justin, I'm not even sure thats even his real name. He than asked me a lot of questions about me and finally came to the big one. "How much do you want to invest in your business"? I told him I'm not sure, I'm not quite sure what I'm doing here. So now, after talking about 45 to 60 minutes, he had to decided if I was a good fit soul to speak with the "DIRECTOR" Whoooooo. I was not even sure why the hell I was still on the phone when I could have just hung up. I waited.... I thought this is how they do things, don't now... Later he transfers me over to the person named "Heidi Montrose". Boy is this women an artist with her fast talking mouth that just wont shut up. I swear to god, this women talked and talked and talked and talked faster then a bullet on steroids. I could not even ask a question that was not answered fully. My questions where just evaded by here fast bullet on steroids talking mouth. Just to shut up here I agreed to the program and forked up $1'000.00 to begin with and financed $4'900. Later about 2 1/2 weeks, I have been spending time with FOCUs Coaching online about how to use EBay!? Wait a minuet WTF? Then it hit me. I got SCAMMED! EBay has their online class program on there site for free! I learned that after calling EBay. After consulting with "Heidi Montrose" I was told that she is not "available" because she is to goddam important. So, anyway, I find out later through FOCUS Coaching the "Heidi Montrose" is a sales person. WHAT!!!!? Owe, you would not believe what I was about to do when I felt that heart stabbing pain, I was so close to getting a plane ticket to fly to talk to this "Heidi Montrose" the "Director". But I cooled my jets and had to except the fact that I got Scammed by DUVERA Financial, LLC and Advantage Education LLC. I tired to cancel after learning that I was in a contract. Well, last I checked, if it does not have my signature on it, its not my crap. People like this, are low life's who want it the easy way and don't care how. I have called so many lawyers even my own to help me with this. I found one and I encourage everyone to go there and let the attorney know what your case is and you will be part of the class action. All, I wanted was a better opportunity for myself and my wife; And you have business's like these who take advantage of people of are vulnerable. I also dealt with "Richard Victor" at Duvera Financial; This guy needs to get a life. After conversing with him through e-mail, I also called Duvera many times and left many voicemail's. I have yet to here back from Duvera and Richard Victors response to your questions will make you think that a 12 year old is communicating with you. Its really sad, and I have learned a lesson. Please visit http://www.finkelsteinthompson.com/investigation/duvera_billing.php Be part of the class action and shut these bad people down.