I am so grateful to Rick and John for being absolutely fantastic! They were both kind, funny and never made me feel judged. I appreciated their thorough information and felt they really made the effort to ease the anxiety I felt. I'm so relieved to have found a way out of crippling debt and I feel a tremendous weight has left my shoulders. Thank you so much for what you do! If I ever find someone in the same unfortunate circumstances I was in I know where to lead them.