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I've done my research as well. I was thinking of dealing with them. But not now. Apparently April Underwood, owner of ATC, and Stacy Gillispie, owner of IA Vacations, are husband and wife. I found out that the manager doesn't even make any decisions, and can't do anything until the owner tells her to. So, it is up to the owner's to put the money. Between the complaints with the BBB and the attorney general it is all the same story. It seems that most don't even get their money unless they have a lawyer write in or a major complaint filed. I think I'll save my time and go elsewhere. Goodluck to the rest of you.