My husband and I are self-employed architects; we made most of our income from buying, renovating and selling houses in Florida. In 2005 we had our first child, followed immediately by Hurricane Wilma and the beginning of the downturn in the real estate market (at least in Miami). Lost income from clients who could no longer pay, plummeting real-estate values and a non-existant job market for architects left us with virtually no income for four years. We used our credit cards and savings, my 401k, sold our home at a huge loss, all with the idea that the market had to pick up soon and we would then be able to pay off our debts without filing for bankruptcy. We were terrified of bankruptcy because we depended on being able to get a mortgage to finance home purchases and renovations, our main source of income. In retrospect not filing was a mistake, the market never recovered in time for us and we accumulated a massive amount of credit card debt which we could not pay, somewhere around $50-60,000. Much of this has been charged off or we negotiated settlements; however we have two judgements, Amex for $1136 and Chase for $8566, which I’m going to try and settle, and a Citibank account that was bought by Asset Acceptance, original balance of $16,166 now pumped up to $26,340. I read about XAP Credit Solution on Reddit and I didn’t hesitate to contact him, to my greatest surprise, all the debts were cleared completely including the charge offs and credit card debts. More so my our credit score were increased to 790 and 780 respectively. All thanks to Xapcreditsolution @ gmail . com the savior I met few months ago. You can also reach him via +1 9 7 2 - 5 9 7 - 9 7 0 4. Cheers !