Kristine Burns is a school teacher and single mother of a nine-year-old daughter who faced $40,000 in credit card debt and an inappropriate, adjustable mortgage that led to a jump in monthly payments from about $600 to $800 a month. With no child support, Kristine had to work two other jobs to make ends meet. To get her out of debt, a new, fixed-rate mortgage was found and negotiations with creditors resulted in radically better interest rates and terms that lowered Kristine’s payments. “Thanks to Jennifer, I’ve drastically reduced my debts, saved tens of thousands of dollars in interest, and lowered my mortgage payments. I’m finally back in control and able to start saving for our future. I can’t believe it; I’ve told all my friends.”

Joe Smith, age 64, paid his bills the moment they hit his mailbox for his entire life. He got into financial trouble when he moved his mother into his home when she was diagnosed with Alzheimers in 2000. As her needs progressed, she became his full-time job in 2003 and he went through his life’s savings to the point where he was overwhelmed with credit card debt. It was determined that his best option was debt settlement and today he is debt free. “I keep the certificate marking my graduation from debt settlement on the wall next to my medals from the Vietnam War.”