We are NEW, trying to regain a sense of control over the money we spent and lower our debt. I did some research on the different companies out there and chose Accredited to assist us in our venture, they made the most sense to me. I am looking forward to this change in our lives. I found no double talk, everything was explained very well and made sense, and all of my questions were answered- even though I did not like some of the answers- they made sense. We are looking forward to being debt free in 3-4 years and even looking forward to the lifestyle change that is coming and re-assessing what we value in our lives we're are going for quality not quantity. Everyone has been professional and helpful and we are very happy with our decision, but very honestly I can't wait for it to be over and we collect on the result-- debt-free and a restored credit rating.