We went through chapter 13 w Gail Donaldson and she taught me a whole lot. At first, I was nervous about the payments but she really is tender when she let's you know if your living beyond your means... Which is why most people end up needing her help anyway...and u know every charge u will get before signing papers;she and the staff was great at explaining... And FYI watch the long boring video and for real take notes... Makes u think twice where your money is going! Like one of my issues 100 plus for junk at gas stations wasted food and candy sorts.. makes u really think! She opened my eyes to how much cigs where costing me and I've been smoke free for 4 years now... Life lessons and thankful to have a great team that can answer any questions... Even their receptionist is educated to answer most questions .. you won't find a better team to help u through this rough patch in life!!! #debtfreewaytobe