Due to my husband's divorce stating he had to insure his ex-wife for three years, and she was uninsurable, we had major medical bills and prescriptions to pay for out of our pocket. She had major surgery and it cost us about $20,000 just for the surgery. We had only credit cards to pay with. Then Tom had a stroke and couldn't work. We called all the credit card companies and asked to work out something in lower payments and not pay late fees and have a reduced rate of interest. They all said "Forget it - pay now on time or we will sue!" They were not very workable at all. We were falling behind in everything trying to pay the credit cards what they wanted.

They explained everything to us and told us to just be calm and patient and we would get through it. They explained that our credit would be in the tank (it was getting there already).

The fees were fair based on what they did for us and all the times we had to call them with questions, etc.

We were able to resolve over $45,000 in debt with your help in a 3 year period and all at reduced amounts. They helped get rid of the late fees and over abundance of interest charges. Our credit is getting better.

We have been using their newsletters and advice on staying out of debt. We now have a small savings account and NO MORE CREDIT CARDS. We only have a debit card and we pay cash or do without. We are now living on a budget each month and are able to enjoy our lives without the worry of creditors calling and knowing that we can't pay them what they want. We tell everyone to AVOID credit cards.

We will never get into this type of situation again.

Thank you,

Karen G.