Dear Ron: After speaking with Renee last Friday, I truly feel so relieved! I would like to thank you so much for helping me get on track to start the road to my retirement years. I am so glad that the trustee consented to the 5 year plan. It was unfortunate and was a very tough decision for me to make to file the BK but I felt that it was the only option left for me at this point in my life. Believe me, I feel very guilty at times-having to turn away from all my financial obligations that i knowingly created over the last 15 to 20 years. I am definitely tracking and keeping close to my new goal now-of paying off the plan in 5 years and will be on my way to a solid retirement. Please thank Renee for me, who has worked out all the details on my case and your staff too. Really good group of people! I will continue to send you referrals. It was all good and all worth it! Sincerely, Beth C