tonight on "nightline," the raid. he's a focus of the investigation into the death of michael jackson. after the raid of dr. conrad murray's office, new details on what was removed. indebted. are you swimming in debt? settlement companies say they can help. pay a fee and they may be able to eliminate up to half of your debt. good deal? or too good to be true? cop call. the president backs off his tough talk and reaches out to the sergeant at the center of the controversial arrest of scholar henry louis gates. can a beer at the white house help bring the parties together? captions paid for by abc, inc. good evening, everyone. i'm terry moran. it's been a busy week for good evening, everyone. i'm terry moran. it's been a busy week for investigators looking into death of michael jackson. they turned their attention to the pop superstar's personal physician, dr. conrad murray, the man who performed cpr on jackson before he died. his houston office was raided this week and we know what police have found. more details have emerged regarding jackson's estate. court documents reveal that a member of the jackson family has formally requested access to some of the money in the singer's sizable estate. there's a lot that remains unresolved however, as abc's lisa fletcher reports. >> it's been exactly 30 days since michael jackson suddenly died in his home. >> what is your emergency? >> yes, sir, i need to -- i need an ambulance as soon as possible, sir. we have -- >> from the beginning questions swirled about this strange 911 call and whether dr. conrad murray who was with jackson acted in a medically appropriate manner. >> what -- where's he at right now? >> he's on the bed. >> let's get him down to the floor. i'm going to have you do cpr. >> abc news has obtained the search warrant that spell out what the investigators found. the computer hard drives and a seat for an untraceable cell phone were listed. police found the powerful anti-anxiety drug clonazapan. if that drug was used withhe an it would suggest that the doctor had no business administering that drug to michael jackson. >> and the general manager sues the storage unit was last accessed by the -- on the day that jackson died by two women. >> there were boxes, like paper would come in. they were putting a few of those in the back of the car. >> lyons said the women arrived on june 25, at 9:22 a.m. >> we're trying to pump -- >> the 911 car was placed from jackson's home. >> he's unconscious and not breathing? >> time lines are certain to play a role in the investigation. physician and jackson friend deepak chopra says that includes time lines on the drugs that jackson used. >> if there was something in his system before midnight, it wasn't enough to deter him from doing a full blown rehearsal. so that's very important to know whatever he got that killed him, whether it's a combination of a cocktail, it was administered to him after midnight. >> of course, raising the question, if diprovan was administered, who administered it? if it's found in jackson's determines that's the cause of his death, do you think a doctor should be held -- if they can determine the doctor injected him, should the doctor be held responsible? >> i see no reason it should be administered in his home anany doctor who is administering it in the home should be sanctioned. >> should he lose his license? >> most likely. >> should he go jail? >> that would be up to the court of law. i don't see it as excusable. >> dr. joshua prager runs a pain clinic. >> one of the problems that we have in los angeles is that some physicians are seduced into treating celebrities and will compromise the care that they deliver because they can buy a -- >> that's what you're saying what happened? they become star stuck? >> the celebrities seek out somebody not necessarily skilled in the pain syndrome and go ahead and get what they want, whatter this than -- get what they want rather than what they need. >> attorneys for jackson's estate notified the court today that some of jackson's money had gone missing. documents say they recovered $5.5 million in cash from one of michaes former financial advisers. attorneys asked the court to approve an allowance to support jackson's 79-year-old mother, katherine. earlier this week, attorneys declared that jackson's mother was dependent on michael financially. stating that other than extremely modest social security benefit mrs. jackson has no independent means of support including paying fore her encino -- for her encino home. this man says michael paid for everything, from grocery and utility bills to car and house payments. he bailed the family out on more than one occasion. >> he paid for everything. michael told me many times he's taking care of the family. of the mom. they lost the house twice. and he bought it back. >> legal experts say there's a financial strategy to jackson's court document. >> in order to establish her right to sue, she needs to be declared a dependent by the court. normally only the surviving children of the person who dies are entitled to sue under california law. >> the coroner's office is expecting the toxicology reports to be available next week. this is lisa fletcher for "nightline." >> the saga continues. our thanks to lisa for that. when we come back, they say they'll settle your debt for pennies on the dollar, but are some debt settlement companies promises too good to be true? 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"♪ i always feel like somebody's watching me. ♪ it's the money you could be saving with geico. you can use it while you do just about anything. it molds better... it grips better... and seals better. you can even drink water with it on. introducing new crest whitestrips advanced seal. it's an all-new technology... that molds and adheres to your teeth better... ...giving you a dramatically whiter smile. whitening that fits any life and every smile. new crest whitestrips advanced seal. this is humiliating. stand still so we can get an accurate reading. okay...um...eighteen pounds and a smidge. a smidge? y'know, there's really no need to weigh packages under 70 pounds. with priority mail flat rate boxes from the postal service, if it fits, it ships anywhere in the country for a low flat rate. cool. you know this scale is off by a good 7, 8 pounds. maybe five. priority mail flat rate boxes only from the postal service. a simpler way to ship. the average american household carries more than $8,000 in credit card debt and in this economy many of those families are finding it harder than ever to keep up with their payments. so some of them he turned to a new kind of business, debt settlement companies they're called which promise to slash their credit card bills for a price. but is it worth it? >> this is the sound of success. according to credit solutions of america, the largest debt settlement company in the country. employees ring a bell every time they persuade a credit card company to settle somebody's debt for less what they really owe. >> i want to discuss the bonn kerrful off -- wonderful offer we received from chase. >> when we visited the noise was deafening. but thousands have complained. karen moore says all she heard was silence. >> had absolutely no contact with them for over a year. >> karen moore appeared to be living a nice middle-class life in san antonio, but two years ago found herself deep in debt. that's when she saw something about credit solutions on tv. >> we dramatically reduce your debt. >> in this video, and on its website, credit solutions claims it can help customers negotiate with their credit card companies to pay up to half of what they actually owe. when you signed up with them, what did they tell you to do with your bills? >> they told -- well, they told me first of all not to pay anything. >> nothing? >> nothing. nothing to stop making payments. >> instead of paying her bills, karen was supposed to save a chunk of money to make an off tore settle her debts once and for all, but that savings can't didn't grow in the past, because credit solutions was automatically deducting its own fee, 15% of karen's actual debt. >> i'm out of pocket $2,080 and nothing to show for it. >> karen remained in the credit solutions program for 20 months and paid the company's full 15% fee. yet, credit solutions did not initiate a single debt settlement for her. in fact, because she wasn't paying on her cards the late fees and penalties piled up. causing her debt to soar from $13,000 nor than $18,000 and her credit score to plunge. >> it sounded legitimate. >> and karen's not alone. attorneys have filed a class action lawsuit on behalf of potentially thousands of former customers. can you tell me what percentage of customers pay you the fee and never end up getting any debt settled? >> i don't have that number but i can look at it for you. >> the vp heather carmichael never did answer that question, but she defended her company's business practices. is your company tank advantage of -- taking advantage of people who are deep in debt and who can least afford it? >> no absolutely not. we have a proven track record of success in hundreds of thousands of people who have successfully completed our program. >> but it's a different story at the better business bureau in dallas where credit solutions is based. these are all the complaints we have received from people all over the country who are dissatisfied with the service they got. >> about how many people in this stack? >> we have heard from 1,300 people. >> the bbb says there's a pattern. people paying fees up-front and not not getting their debt settled. >> there are people who said they ended up in a worst condition before, people are veterans, someones a teacher, she had to go get a second job. >> on march 26, the texas attorney general filed suit accusing the company of deceptive acts. >> they may not be saving a penny and may be paying a whole lot more. >> may 19, new york attorney general andrew cuomo also sued credit solutions and launched an investigation of the entire debt settlement industry. >> they are very good at what they do and this is what they do. they perpetrate the frauds. >> may 28, the missouri attorney general piled on. accusing credit solutions of fraud. credit solutions blames the legal troubles on a one-year period from december of 2006 to 2007, during which the company was under different ownership. >> so there's a period of over a year that we have been working diligently to clean up. >> but the man who ran the company in the interim says that existing problems within the company were deep and ingrained. and all three attorneys general say the lawsuits cover a period of time when the current ceo was running t>>his iscohempany. >> this is the beginning of our busy time at the call center. >> once again, congratulations. >> we asked her about this internal sales script that "nightline" obtained from a former employee. it instructs them to tell the customers what we'll do is reduce your debt down from the 350% of the original amount. it says in the sales script we'll reduce your debt by 50%. >> i could speak to the sales script. i haven't seen the one you're referring to. >> would it trouble you that it was promising people half off their debts? >> absolutely i'd like to see what you're looking at to commenon. >>i then there's this document. another credit solutions customer said it was sent to him when he was sued by his creditors and it suggests that he lend from church or sell plasma to earn money to pay his debt. cred credit solutions says it's not used currently by the company. what percent of your customers do you actually manage to help? >> i don't know an exact percentage either. we help everybody. what percentage of your customers make it all the way through the three-year program? >> i wish i had an answer for you. >> you're the vp of operations? you don't know the answer? >> yes, i don't know the answer. i'm so sorry. >> what percentage of your customers do you manage to settle at least one debt for? >> oh, that's another great numbers question. um -- i don't have a specific answer to that. >> but the new york attorney general does. >> they also happen to be full of baloney. >> alleging credit solutions settles debt for only 1% of the customers in his state. >> most services perform a service for you and then they collect your fee. why do you collect your fee up front? >> this is an on going coaching, so we become your financial advocate and your coach. and if you look at many other industries, they work the exact same way. >> but several states limit advanced fees for credit services to 25 to $75, and in missouri it's illegal to charge any fee in advance according to the attorney general's lawsuit. we asked how the company explains being sued by three separate attorneys general. what's your response? >> i wish there were an easy answer to that question. the industry is changing so rapidly. and there is more change to come. >> but these attorneys general aren't investigating and suing the industry, they're suing your company. why? >> i'm not a lawyer, i can tell you, elizabeth, we are working diligently towards them with a solution. >> does credit solutions hurt some people more than it helps? >> these are customers having a crisis. employees who become great counselors on the phone. there are no easy solutions to those little plastic credit cards that are out there, but we are a big part of the solution for many, many customers out there. >> but karen moore says the company was not the solution for her. she's been demanding a full refund for months. so we inquired about her case. >> hi, ms. moore this is ginger again with credit solutions. i would like to personally apologize for the situation at hand. >> her refund finally showed up the day we showed up to interview her. >> well, thanks to elizabeth for that report. still ahead, we'll talk about the president, the police officer, a phone call and a continued discussion of racial profiling. t (woman) i'm taking an antidepressant, but i think i might need more help. 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(announcer) if your antidepressant alone isn't enough, talk to your doctor. one option you doctor may consider is adding abilify. abilify is fda-approved to treat depression in adults when added to an antidepressant. learn more about abilify. call your doctor if your depression worsens or if you have unusual changes in mood, behavior, or thoughts of suicide. antidepressants can increase these in children, teens and young adults. elderly dementia patients taking abilify have an increased risk of death or stroke. call your doctor if you have high fever, stiff muscles and confusion on abilify, as these may be signs of a life-threatening reaction. or uncontrollable muscle movements, as these could become permanent. high blood sugar has been reported with abilify and medicines like it. in some cases, extreme high blood sugar can lead to coma or death. other risks include dizziness upon standing, seizures, impaired judgment or motor skills, or trouble swallowing. adding abilify has made a difference for me. if an antidepressant alone isn't enough, talk to your doctor about s e skriand benefits of adding abilify. hi, may i help you? yes, i hear progressive has lots of discounts on car insurance. can i get in on that? are you a safe driver? yes. discount! do you own a home? yes. discount! are you going to buy online? yes! discount! isn't getting discounts great? yes! there's no discount for agreeing with me. yeah, i got carried away. happens to me all the time. s ssog- w, that's progressive. call or click today. if we don't act, medical bills will wipe out their vings. if we don't act, she'll be denied coverage because of a pre-existing condition. and he won't get the chemotherapy he needs. if we don't act, health care costs will rise 70%. and he'll have to cut benefits for his employees. but we can act. the president and congress have a plan to lower your costs anstop denials for pre-existing conditions. it's time to act. it all started with a guy who couldn't get into his own home and it just might end with a beer at the white house. in the eight days since harvard professor henry louis gates jr. was arrested and handcuffed by sergeant crowley, the country has erupted with a rancorous and loud debate about race and the president in the middle of it. what did we learn this week? >> it's an incident that's -- >> amid all the blathering and hollering still happening on cable news and talk radio and the blog, what did we actually learn? take another look at the photo snapped of gates jr. in handcuffs outside his home in cambridge, massachusetts. many reacted to the image viscerally, blurred by the color of their skin. >> i think it's fair to say, number one, any of us would be pretty angry. number two, that the cambridge police acted stupidly in arresting somebody when there was already proof that they were in their own home. >> barack obama is our first african-american president and his reaction to what happened in cambridge was to sense that the country's legacy of injustice. >> race remains a factor in this society. >> but many others saw the cambridge police doing their job properly. >> they make hundreds of decisions each week and thousands of decisions each year in the preservation of the peace. race does not play a role of any kind in that decision making. and played no role in the decision making in this case. >> so it went, again another minor incident turned into a template of our troubled racial history. a flash point for racial misunderstanding. >> let's hear the tape -- >> the temperature was rising. the noise was drowning out thought. then today, something happened. something very interesting. >> i actually just had a conversation with sergeant jim crowley. the officer involved. >> president obama under pressure admitted he had helped stoke the controversy. and he reached out. and sought a different path. >> at the end of the conversation, there was discussion about -- my conversation with the sergeant crowley, there was discussion about he and i and professor gates having a beer here in the white house. we don't know if that's scheduled yet, but -- but we may put that together. >> if we all learned something thisee we can only hope. >> my hope is that as a consequence of this event this endsp being what's called a teachable moment. where all of us stead of pumping up the volume spend a little more time listening to each other. >> listening to each other. the conversation will continue no doubt respectfully, we hope. and when we come back, sarah palin will formally resign as governor of alaska this weekend. she's the subject of tonight's "closing argument." my doctor told me i had to start doing things for my heart, but i wasn't ready to give up taste. sometimes, sacrifice is the name of the gam