Without a doubt this is the best thing I could have possibly done. I wish I'd done it sooner in fact. Instead of worrying each month, I now feel like I've had a massive weight off my shoulders. They made it incredibly easy for me to do this, guiding me each step of the way. Honestly - I recommend these guys to anyone who may have the burden of any debt looming over them. I forget the name of my personal guide, and for that I'm sorry as I feel he deserves a special mention in here for being so professional and courteous throughout the process. He contacted me when he said he would, and he has helped me make a change in my life for the better. So, if you're reading this - whoever helped me then I owe you a drink. Thanks again to you guys - you've genuinely given me a different outlook in life. I Morgan.