I enrolled with Miracle Management GroupRisk Management Partners in August 2002. After being a client with them for 3 years they on settled on account on my behalf. I was told when I signed up with the company they would help me to settle accounts with several of my creditors. They of course did not do this, and I found out too late that the company was a SCAM. I learned via the internet that they had told to stop operations in the State of Nevada because they were not licensed to run a Debt Negotiation Program. They have over 5,000 dollars of mine's and I have been trying to get a refund from them for the last six months. I have filed complaints with the BBB and the Arizona States Attorney's Office as well as the Arizona Department of Banking and the FTC. I hope someone can help myself and the other consumers who have ben victimized by this fake company