Similar to others experience, I purchased the program and was unaware of the membership trial and payment for the club. I just went through a bankruptcy, which could have been avoided if I knew about these useful steps in the book, when the charge appeared I called and Paublo explained the charge and promptly cancelled the subscription. Thanks for the info and cancelling for me with no hassle. I've just begun my journey to credit repair now and wished I had found this program BEFORE I filed bankruptcy.