Today I meet Joe, we worked together to evaluate my debt verses my paycheck. Well my debt was the winner over my income, so now it's Joe's turn to go center stage and work his magic. Joe asked plenty of questions, some of them could be upsetting since you are communicating with someone you don't know but maybe 15 to 20 minutes.. It is necessary for Joe to ask the tough questions about your finances and what drove this balance to the limit . I've been checking on different sites over the last of Feb until now. I ca clearly see why I don't have money for gas or going out of town to see my children and my grandkids. If Joe can see if I qualify I will be able to move forward. With my plan to be debt free. If I have to fish every day to feed myself then so be it. Joe has done it again. I have the weight of the world upon yourself until he gave me the thumbs up sign right through my cell phone!