I have never been without a job in 20yrs and March 2016 the company I was with went into receivership and I was without employment. Bill piled up and the phone never stopped ringing from bill collectors. I phone and talked with a real nice lady named Monica she helped me out tremendously and then I had an appointment with Sandy. Sandy made me feel comfortable and explained the whole situation and I felt at ease with my decision. A couple days later the phone stopped ringing from the collectors