Josh: Do you want to explain in your own words?

Samira: If you have terrible credit and you’re in debt for thirty to forty thousand dollars in credit report, and you do qualify for bankruptcy, I do have a payment plan. I work with you. It’s something to approach with an open mind. I’m not saying it’s for everybody. It should always be done as the last option. Sometimes it’s best to just say, I need a new beginning.