"Four years ago I met with a debt management representative because I felt things were collapsing financially for me. I had been using credit cards to live beyond my means and amassed a debt totaling $20,000.00+. I was barely making the monthly minimum payments and had maxed out my cards. Because of my careless disregard for payment dates, my payments were consistently late. My credit was virtually ruined. I could not even secure a bank loan for a mortgage without having to ask someone to cosign for me. It was embarrassing to imagine I had to secure a cosigner for a mortgage that most people my age can obtain easily! I met with Cindy Moon (now retired). She was considerate of my situation and never made me feel ashamed of living beyond my means. She was honest as to the expectations of the program and very detailed in how the process would work. I received the official program documents and prepared to repay the debts I accumulated over a course of several years. Payments were made consistently and now my credit has been fully restored. Thank you!"
~ Melissa O.