Got your point. I hope that I didn't come across that I was pushing for anyone to use Langhorne which I was not, just sharing my positive experience. I too advocate the research behind choosing any program that anyone is planning on using. I used a credit counseling service prior to langhorne and all they did was take my money, none of the pdl's would work with them, even though the ccs told me pdls worked with them. So basically it was throwing money away and I would've been better off just trying to deal with them on my own. Lessons learned, that is why we are here right!