I had a stroke at 40 years old and have not been able to work for 2 years with a low probability of ever returning to full-time work. I was without income for 18 months until finally receiving my employer LTD benefit (less 30% legal fees). I have not been able to keep up with credit card payments for the past year (had no idea Cigna would give me the runaround like they did). However, I received a lump sum back payment plus a monthly reoccurring payment of 60% of my previous income. I was not sure if I should settle my credit cards at this point. I owed Chase, B of A, Discover and Citi. Chase is by far the largest balance of Approx. $20K. I have explored bankruptcy, but I have some income producing real estate assets I cannot protect and even my paid for vehicle is above the state limit for exemption. While I was researching about credit repair, I read good reviews about ROOTKITS CREDIT SPECIALIST and decided to cast my burden upon rootkits. The good news is that they fixed my credit in less than 9 days and cleaned up the negative items from my report including the debt I owed. I don’t know how to appreciate rootkits enough. Here is the contact: (7604743440) or Email. rootkitscreditspecialist AT gmail DOT com