Got a call today from these folks.  They are PrimeAmerica.  My X brother-in -law worked for them at one time.  He was involved in finacial planning and insurance.  Why I would need someone who has filed for bankruptcy help me waste money or plan for my future I'll never know.  They must not check out their employees very well...or a better guess is they don't care.  (he said he was a published writer and manager of a successful grocery store).  He got he driver's license revoked for unpaid child support-car impounded for no insurance/license.  Just the type Americans need to handle their finacial future!