The trustees were very nice and organized. They made every effort to help set up the process and explain it to me. what I find difficult are 2 points. One, the net income celing doesn't adequately cover what a family needs to survive, and 2 there is no provision for circumstances other than the irresponsible accumulation of debt. My situation as I know many people's are was due to my husband running off and abandoning us and refusing to pay for the mortgage or any support so we lost our home. Therefore the credit card couselling is in a case like this not relevant.