Waikiki Beach

The above comment by Chris points out exactly what IТve been saying

about debt company fees. They are at the WRONG end of the program. In

the old days, we used to charge a very small retainer up front, but

the main fee was based on a percentage of the savings achieved during

the negotiation. So the fees were based on success, and did not interfere

with the clientТs ability to accumulate funds for some early settlements.

Nowadays, itТs a rare company that operates this way, and the result is

that very few settlements take place during the first 12 months clients

are enrolled in a third-party debt settlement program. Skip the fees! Learn

how to do this yourself. YouТll be out of debt faster, and youТll have

more control over the process.

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One afternoon, I was in the backyard hanging the laundry when an old, tired-looking dog wandered into the yard. I could tell from his collar and well-fed belly that he had a home. But when I walked into the house, he followed me, sauntered down the hall and fell asleep in a corner. An hour later, he went to the door, and I let him out. The next day he was back. He resumed his position in the hallway and slept for an hour.

This continued for several weeks. Curious, I pinned a note to his collar: "Every afternoon your dog comes to my house for a nap. "

The next day he arrived with a different note pinned to his collar: "He lives in a home with ten children - he's trying to catch up on his sleep."

I cried from laughter

Sorry, if not left a message on Rules.