I too recieved a packet, they took my money and I call everyday ,and leave my message, and no one returns my calls.  Is this a legitimate company or not?

same as mike above,except i recieved packet in mail for me to sign & return to them with all my cc # for them get me lower int. rates. they also managed to charge my credit card w\$1390 charge for thier services i never recieved. beware !!!!