Thank you Victoria! I have spoken with people at several other debt relief programs and this one so far seems like it is most transparent. I have yet to discover how the road ahead will play out but I felt like I was not judged for my situation and that emotions were removed from the experience so that I could make a clear and informed decision about how to handle my situation. Financial stressors are not easy. I hope this decision helps me become debt free ASAP! To be continued...