Hi I am a new member and only found this site because of an ad on seek. Members Alliance are looking for consultants, so before I even entertain replying I do my homework and google the company and look for any bit of info that sounds like they are dodgy, you see cause I have worked for a number of these outfits since 1998 when line of credit / mortgage reduction schemes started appearing, from my experience this crowd are just the same as all the others in the past , all they are want is a big fat commission by bundling your home loan credit cards personal loans together then sucking all the equity out of your home and sticking you with more debt in the form of an investment property.My advise for what its worth steer clear of anyone who tele markets you with the promise of help to get you out of debt or make you financially better off.