I honestly called for a consolidation loan and I was feeling anxious about it since it could either make or break my finances. Phil Warner was the person I was talking to and he was a gift from the Lord. After talking for almost 45 minutes, he ended up swaying me into a hardship program. His explanations on why it’s best for my scenario were trustworthy and caring. Let’s just say getting debt free in 1 1/2 years as opposed to 10 is kind of a no brainer. I recommend them if you are struggling!