I need an aswswer to this as well. Last summer I paid over $9,000 and was guaranteed to at least make $685 in a year, or that part was refundable. I am on disability with two small children, and I have cancer. I thought I could quickly make some ease mobey and they took advantage of it. Now I am out of $9,000 plus intersted becasue we know its not even near paid offf. If anyone finds someone out; let me know. I will take this to court and or report it to buyer be ware on chanel 5 in Boston,. Denise in MACHUSETTS