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I just found out from our attorney that all of us victims of Coco Sunset, Omnicorp and HSI are "screwed". The way that they have their contracts worded and the third parties involved we have no legal action against these crooks. I was denied by my bank getting our"planning fee" of $1150.00 back from Omnicorp. I now am contacting Visa directly. My attorney advised me to report Visa to our Attorney General. It may ruin our credit rating but Coco Sunset will never see another penny from us. I now have the mission to get the word out about all these crooks. Good luck to you all! Praying for Karma to hit Cindy Kidd and Scott Riggs.