They claim to help lower the interest rates on your credit card but, they illegally contact you via Voice Broadcast and then when you sign up for services the real *** begins. So, I was told I can be guaranteed to make money from home and I can pay $10,000 to do this and they will do my negotiation of my credit cards for free. Well they never attempted to negotiate my cards and made me go late to do this very bad idea to do this it hurt my credit and it hurt my relationship with my CC company. After further investigation i found out it is illegal to charge for these type of services until they have been completed. Stay tuned My PI will have more information soon!