I had signed up with this company to negotiate my credit card debts in which they were to save me in interest and in a timely matter my debts would be paid off quicker because of their servicesand having contacts with my credit companyies. After 3500 paid to them, not one of my creditors seen a cent nor have they taken off interest and fees. The web site for Risk Management?Miracle Management has not been available since the spring, Noone answers the phonesno response by mail nor email( bounces back).I am left with worse creditout of my money and noone to contact concerning this company.