I would not recommend this agency unless you are sure that you are willing to give up your money! I have been asking for a refund since January 10, 2009. I have sent three letters and made over four telephone calls. It is now June 3, 2009 and still no word from this agency. I finally spoke to a Mr. Jones, but he still has not returned my phone call. It is a shame that you have to go through the court system in order to get your refund.