Over 70 million Americans have debt in collections creating ongoing, unhealthy stress. 20% of Americans report having severe stress on a monthly basis that impacts every aspect of their lives from work, health and happiness. They live for years suffering without knowing that creditors are willing to be flexible, or that the situation can be managed much more rapidly, avoiding years of stress for many. We can help. Our goal is to educate, advise and ease consumers along the recovery path to financial health and happiness.