We are a credit counseling firm that allows consumers an alternative to bankruptcy that allows them to liquidate their debts in 5 years or less. While enrolled consumers have access to our webinars, videos, financial literacy course, and our Thifty Spending e-zine. Program results in accounts getting closed and creditors lowering interest rates, stop all fees, and accept a set monthly payment until the debt is paid in full. Upon completion accounts get reported as paid in full.