The information that we have presented on this website has been gathered by our extensive experience as a Certified Credit Counselors and working with people to get their debts and lives under control for 15 years as well as public information from organizations such as The Federal Trade Commission, The IRS, the FICO Company and more.

We give you this information with the best of intentions with only a desire to help.

Now here is our disclaimer, We truly wish that this was not necessary because our intentions here are only good but necessary it is.

All information provided on this website is for educational and informational purposes only and is in no way intended to be legal advice.

We are not an attorneys and you need to be aware that the laws differ from state to state so if you need legal help I advise you to see an attorney in your area.

Referrals for help made to outside Debt Management and Credit Counseling companies are made to companies who we believe have a proven track record of working with creditors to help clients to get out of debt and better their lives.

We do not specifically or personally endorse any companies.

We will not be held responsible for any action taken by any creditor toward any client of any Debt Management, Debt Consolidation or Credit Counseling company.

We cannot control the actions or motives displayed by any other person including people seeking help or counseling personnel, therefore, we will not be held responsible for the actions or motives of these individuals.

We always recommend trying to work out your credit related issues on your own before consulting with outside sources.

This site is full of all kinds of information and resources for you to do just that.

We would like to say for the record that if you chose a Debt Management program that it is very important that you are extremely honest and cooperative with the company that you begin working with.

If you do not return your paperwork in a timely fashion or provide the Debt Management Company with honest information the program will not work for you.

You must trust your counselor.

The counselors who work for these companies are trained professionals and their goal is to make this work for you.

Help them to help you.

We are not actively working as credit counselors at this time.

We consider ourselves retired at least for the time being as we’re pursuing other interests right now.

We believe and know from experience that in order to improve one’s situation no matter what the goal or endeavor may be, requires honesty, determination, open-mindedness, and a spirit of cooperation.

A good attitude and friendly disposition are also necessary assets and unfortunately, some people in this world will always try to blame others and make trouble for people who are trying to do good work.

We give you this information with great happiness and we wish you all the very best.

We are very proud of our work here and we feel confident that we will be able to help a lot of people.

If you feel the need to make trouble don’t bother doing it here because we are in no way responsible for you or your situation in the past, in the present or in the future.