Our counselor Jill has been thorough and understanding. It wasn't reckless spending that got us in this situation. A very complicated cancer diagnosis and treatment (genetic elements plus MRSA) that lasted years cost me dearly, including my job. I tried working directly with our creditors but they weren't willing. We know that over the course of the next 48 months we will be paying off the majority of our debt, which suits us fine. We just need to make sure that we don't get into this kind of situation ever again. Hopefully we will be able to save a bit and have a nest egg set aside for emergencies. Pacific Debt Relief has been a Godsend! I would recommend them in a heartbeat.
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