They offered and signed an agreement to negotiate our debts with the creditors, reduce amounts an pay them from funds withdrawned from our Chase Checking Acct 97. They did nothing and took my money. Now I owe more money than before, our credit is reduced to the minimum number with have many lawsuits. They took our money and closed the agency. 34 years of hard work and sacrifices ended with the lowest credit scores and bad reputation. We need help to get our money back and explained our creditos this unfortunate situation and Ripoff