From my first "scared to do this email" until today.. Marlena Miller has been with me every step of the way! She is the one who helped me decide this is what I needed to do to help with the anxiety I had of not being able to pay my bills on time any longer because of a decrease in my salary. I was always a 100% on time payer and then got hit with some bad financial luck. Thank you Marlena Miller. If anyone is interested in curing their debt issues.. let me know I will hook you up with the best. She responds in a timely matter to all my emails and is very professional yet so friendly that I feel I know her for years. She will walk you through each step and makes you feel that no question is stupid. Thank you again !!!