Never in my wildest dreams would I have imagined I'd be even CONSIDERING bankruptcy, let alone actually going through with it. But, even with years working multiple jobs in an attempt to pay off my debts, I couldn't get out of the revolving "make large payments on all of my cards, run out of money, use my cards for essentials, watch finance charges negate my payment efforts, rinse, and repeat." YEARS of striving, aggressively, to be responsible for my debt but never getting anywhere. Ryan was incredibly responsive, his instructions were clear, the process was SHOCKINGLY efficient. I now stand here free from the burden of $40k in credit card debt that never dropped below $36k no matter how hard I tried. Honestly, if you're considering this, there is a reason. Set-up a consult with Ryan and see what your options are. While I trust I'll never be in the same situation again, I'd work with Ryan again in a heartbeat.