then(according to the contract) I would get a one time charge of $495 to my card which is a much better deal that $830. On top of that the owner stated that if I complain instead of leaving the account closed and satisfied he was going to continue to charge my credit card. I was astonished at the level of customer service this guy had. I will never go there again and caution others to make sure everything is in writing if you deal with this establishment.