Hey Michael. I contacted you in Jan 2020 (If I remember right! LOL) and already had a plan, but implemented your recommendations to my settlement plan. I negotiated and/or settled $46,443.55 of debt for $9,067.79. I stopped paying things on 31 Dec 2019 and settled between 15 June & 06 July 2020. I rarely sign into youtube, but saw this video and wanted to leave a comment. Thanks for your 15 minutes of guidance phone call! Much appreciated. Alex
