R.Martin, Advisor - He was very empathetic and helpful with the whole process. He was patient with the many constant questions I had. He took the time to pause and reiterate the process and made me feel comfortable with what I was requesting. I was very concerned with what I was signing up for given the uncertainty of what this program does. He made me feel at ease and now I look forward to getting out of debt and making a better financial future. Mahalo Mr. Martin!