A: Yes, absolutely.  This is a question that most people always have when analyzing this type of  program.   We provide you with information as to the legality of what we do, and in terms of morality it is the Credit Card companies that are immoral.  When you understand that they create money out of thin air that they loan to you and then expect you to pay 30% interest on, you will learn that they are the immoral ones.  The people we work with all over the country are people who are most likely just like you, people who paid their bills.  You cannot get thirty, fifty or one hundred thousand dollars in credit cards with out paying all of your bills and having good credit.  But sometimes bad things happens, life happens, there is a loss of income, someone gets hurt, a family member dies, or a business fails, and you simply cannot pay what you used to pay.   When such hard times occur, more often than not, banks and Credit Card companies will not work you. Credit Card companies constantly monitor your credit report and when they see that you have begun to max out your credit lines, the will begin to raise your rates to astronomical levels.   Why do they do it?  It is because they can.  It is simple; they get you in debt and keep you in debt, because it makes them money.   Unfortunately, all consumer protection laws in regards to bank usury have been eliminated, and as such the bank can charge you what ever they want and they do.  We want to help you get out of debt, and more importantly teach you to stay out of debt and not find yourself in the same situation ever again.  We encourage you to watch the documentary “Secret History of Credit Cards” featured on www.pbs.org.