A 70-year-old member came to see me about refinancing the debt on one of his credit cards. He had not added any charges to the card for years and was paying regularly, but the balance wouldn’t budge. On his statement, I discovered a $117/month insurance fee that he knew nothing about. We were willing to refinance, but we instructed him to first call the credit card company to refund the charges and provided the phone number for the commissioner of insurance should they refuse to. We coached him through the process, and he eventually went from owing $7,000 to having a $600 credit thanks to a refund of $7,600!