What a waste of time. I've been paying $50/mth for 9 months to Allen Micheal and have not gotten anything removed from my bankruptcy. Credit repair companies will make comments like "the credit companies are just too busy to reply to all claims and when they can't reply in 30 days, the bad credit is removed." But in my experience, all credit card companies have generic letters for anything Allen Micheal has sent them. They know what Credit repair companies are up to. I remember at the seminar, they showed the speakers credit report, showing he just had an entire bankruptcy removed within 6 months of filing bankruptcy. How I wish I took a picture of that slide. I seriously call B.S. now that I've been through the process. If I had that picture, I would get a lawyer and sew for false information. If anyone goes to a free seminar and they present that same information, please take a picture of it and reach out to me.