Harbor Law Firm has been a life saver for me. I am in their debt hardship program and I have no idea what would have happened to my home and family if they didn't help me out. I am a single parent the sole supporter of my daughters with absolutely no help financially from my ex. We don't live e...xtravagantly. My salary just didn't seem to cover all the necessities of life so I would use my credit cards to carry me over. The monthly payments surpassed what I could afford to pay. I was constantly having a sick feeling in my stomach each time a bill would come and I couldn't pay it. My debt counselor, Angie, has walked me through the process, given me pep talks when I was so nervous about a collection letter that I received, always returned my phone calls, told me about the positive outcomes and was up front of what could happen. Through a three way phone conversation I heard Angie negotiate with a major credit card company to make a deal to pay a percentage of what I owe. Angie was very professional, persistent, and did not back down. I was extremely happy that she was on my side of the coin. I can't say enough positive things of how happy I am with the Harbor Law Firm - they are a Godsend to me! I whole heartily recommend them!