I made the mistake of attending a seminar in which I was told that my diabetes would be reversed by following their system. As I found out later, type II diabetes is irreversible! To the point, when I could not cough up the $10,000 for the program through Next Advanced Medicine (Irvine, CA), they conveniently got me credit through HC Processing Center. Next thing I know I am hit with a whopping $10,000 bill before I was 1/2 way through Next Advanced Medicine's diabetes reversal program. I could not get a manager to HC to return my calls for an explanation. In my opinion, HC Processing is predatory, preying on people who are looking for help. This was MY experience!