Whew,jsut got through my hearing a few days after my birthday,and the last couple years of trying to keep "afloat" with the different areas of debit I had was just getting me "bogged down!!" Micheal and his team were always helpful when I had a question,over the 4 months it took me to get to the "finish line",and learning more about how the process works and how NOT to get into this again(hopefully!)