This is the first time I am seeing the light at the end of the tunnel. I pretty much have been resigned to the fact that I would be in debt for the unforeseeable future. This surprisingly easy step has given me more hope than I had ever thought fathomable. Justin was clear and concise and without judgement going over options for relief. The entire process was very professional and easier than expected. I am truly grateful to be given a second chance for a better future for me and my family.