And those payments he was supposed to make to creditors? Many times they were never paid and consumers found themselves right back in debt where they started, despite the money they paid Armstrong.
Googel said, "From what I can tell, they were operating properly in the early years. But then he was dipping into the till and it got out of control.
"Collecting the money now is the hard part," he said. "His assets will be well-hidden. But we're certainly going to try."
Googel said the debt-relief industry is ripe for scams, and the state has been very active in investigating those. But he said some do it right and can be a benefit to financially-strapped people. Most are non-profits, he said.
"If people want these services, they should go to companies that have offices in West Virginia," he said. "But people get in trouble when they go on the Internet or call a number they see on late-night TV.
"We call them 'last-dollar scams,'" Googel said. "They are going after people who are already down and out and they swoop in and try to get money out of them. Because people really want to pay their debts.
"So they are vulnerable to anyone who says 'I can help you do that,'" he said.