I've never done business with this company, but after reading all these negative reviews about them, which are all basically saying the same thing, I wouldn't want to do any kind of business with them. Their brochure looks like they are a really decent company, but from what I've gathered looks can be really deceiving. I know a lot of people really do try and make their lives better, but it's companies like this one that want to turn the tables on good people, and cause them to get back in the hole which they just climbed out of. I'd say this company is actually a disgrace and should stop trying to lure people into their snares so they can prosper on someone else's loss.