I was so incredibly thankful to hear of this place a couple years ago. I was newly divorced and up to my eyeballs in debt--I had to no idea how I would manage , since I couldn't even cover all the monthly minimum payments. Thankfully I met with them--and they set me on the right track--cut-up credit cards and all! From then on I had one monthly payment that I could afford--and as each creditor got paid off, I could apply more to the others. It took me almost 2 years--but the sense of freedom I had when I made the last payment was so wonderful. I have been debt-free ever since thanks to them!