Mr. Black:

I would like to extend my thanks to you and your staff for the support you provided during this stressful time. We felt very comfortable with your firm. The biggest decision I made was to accept the fact we needed help to not only to dig out of debt but to move forward with a new commitment to stay debt free. As you recall, I have a toddler who kept getting infections and becoming ill in daycare and it was imperative to get to the point where my wife could resign and stay home to take care of her during these formative years.

Since my daughter has been home these past 4 months, she has not been ill!!! She has gained weight and is happier!! There are just some things that are more important in life then our credit rating!!! We now can move forward with our lives!!

Again, Thank You

P.H., Houston - September 2003