It's too early to speak of how I will be affected going down this path. But I can tell you of any and all places I consulted about what to do, Genesis at Curadebt was awesome. She answered every question with detail and timely via text and email, even into late afternoon. The didn't pressure me even once, not for a moment. Others hounded me daily for days. She just sat back and waited for me and helped me make an informed decision. I look forward to clearing my debt and starting anew.