Everyone, ALL of us are in the same boat with this company. Shame on us for not doing our research and trusting this company, but it is disgusting that they prey on the vulnerability of others. I have contacted the state attorney general about this, as well as a lawyer to persue legal action and possibly file a class-action suit against this company. PLEASE PLEASE fill out the consumer complaint form and submit it to the Office of the State Attorney General's bureau of consumer frauds & protection. We need strength in numbers!!! Here is the form: http://www.ag.ny.gov/bureaus/consumer_frauds/pdfs/complaint_forms/westchester_complaint.pdf