Credit Navigators Ruined my credit - almost lost my home - they said they paid off debts then kept getting phone calls from companies saying she didn't even contact them. Debts ended up in hands of collections after a few months - she said they were all paid - she lied. kelley Zwicker and her new partner Jack Singer do not do what they promote and promise. They keep YOUR money that belongs to you and hard to get it back. Credit is worse now - after a year we are still trying to get our money back. Police involved - cased logged in Minden OPP so if you have an issue you can call police and reference Minden OPP report on these two. Lawyer now involved. Found woman in B.C. named Anna Miller who also going through complete hell for over a year. They still have a lot of her money and won't return it. Didn't pay out her debts either - told her same lies. I'm now under doctor care for stress and anxiety / panic attacks. Am a professional business woman - reporter for years, then newspaper and magazine owner, now president of internet company - but she caused me unbelievable illness and stress. We were denied 2nd mortgage renewal and had to go private because of what she did to our credit. Willing to talk to anyone out there will similar stories to tell. My husband and I and Anna Miller are banning together to fight these guys and see justice served. They are playing with people's lives, their homes, their finances and their credit history and unlike their "we care" write up, they don't care one bit. Don't return calls, treat your horrible, lie... have proof - willing to share and tell my story. They have now moved to Oshawa address - be ware and be careful - She starts by telling you fate drew you both together and you will make great friends and she is there to help you - sit back and let her go to work... but she doesn't... it's a horror story - a nightmare - and I'm living it.