We work as a consumer advocate, and assistant, directly working with creditors on behalf of our clients. Many people consider "money" concerns a very private matter and they are embarrassed to talk about them, let alone to tell a stranger. People want to know that someone cares. We care. We don't judge anyone or try to make him or her feel bad; we know they already feel bad. It takes an incredible amount of courage just to pick up the phone and make the call for help. We don't want to hurt anyone and we strive to find solutions to problems. The creditors do not pay us, our clients pay us when we save them money, and so our interest is to save our clients as much money as possible.