I must say I was thrilled when I initially joined this company and I even went as far as to stick it out for a agonizing 6 months. The first thing that triggered me to get out was the fact that this company sends out a mailer that advertises a line of credit that most customers never even make it to. They are deceived by a fake credit card that says “AmericorExpress”, and everyone that calls in initially thinks it’s an American Express card (mind you that most of the people calling in are either very old, or even in most cases deceived by the look-a-like credit card because they don’t speak great English). There is never a line of credit ever offered mainly because they require you to make payments higher than most are able to(the consumer is better off just paying their minimum payments to their creditors), if you ever miss a payment you might as well say goodbye to your money as well as your credit score because at the end of the day they convince you to stop paying your creditors. I can’t even express how many different consumers called to cancel either because they realized they were lied to, or called to complain and get their money back because they realized they could do bad all by themself. Between consumers calling me and shedding tears due to being ripped off, and the others calling to give me a piece of their mind I realized that it was best to part ways. Most of the people that sign up for the program are made to believe that they are able to draw on the line of credit because of the 10 page script each sales person is forced to read verbatim(it’s more like 10 pages of an excuse to read to every single customer to explain why they aren’t able to get a line of credit up front or ever for that matter). Everyone that is in the sales department seems to make no money, and they aren’t shy to admit it. This company lacks morals and truthfully the pay is no where near what they make it seem. Even on a good month at best you may make 3k(they are quick to make you pay the company back if someone cancels months later)and itjust isn’t worth jeapordizing your ethics. I wish anyone that transitions into this company the best of luck, and those who enjoy sleeping without a guilty conscious, BEWARE!