This company us to be called finacial freedom usa out of arizona. Know it has a new name Full spectrum debt solutions. it is still ran by malcom giles. he stole over $1000.00 from me. know he is stealing from other with a new name. do not give him any money and do not trust him. i have tried to retrieve my money on many tries. he tells me he is broke. were did mymoney go. he was paid every month by the debt consolidator called a new horizon. they are hand and hand in stealing from people already having a hard time. he also wanted me to trust him with a home mortgage. after he told me he wouldn't pay me back.