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Ok, that last message was difficult to understand. I am talking about Consumer advocate services. They deal with multiple fraudulent businesses. Not just timeshares. I paid them to take care of the situation I was in. I don't have time to put together letters to the departments in Florida or to even do disputes, I have a career where I'm busy and a family to take care of. They scheduled a specific dispute time with me and took care of the problem. They even reopened disputes I tried doing on my own, I'm no genius, they helped close the person on the line at my bank. They convinced them I was a victim of fraud when I couldn't do it on my own. I had the money to give Consumer Advocate Services to take care of my problem, and they did. I don't know why you are bashing a company that helps people. If they don't help then call them up and give em some lip, they always pick up the phone for crying out loud.