I just wanted to take a minute to say thank you. I had no idea how to continue working and paying my credit card debt, mortgage, taxes, condo assessment and day to day experience. There was more going out then in at this point. I was depressed and a shamed of myself. My income was above average $...80.000.00. I did keep a dime each month. I decided to file bankruptcy. I reviewed Geraci's tapes on bankruptcy that appeared to suit me and without searching any further decided this was my firm. With my head hanging low I walked in to his Oak Park office on North Ave and Harlem. My Bankruptcy Chapter 13 started that day. Attorney,Shera Bucchianner prepared my qualification documents for Chapter 13. Informed all my creditors of the Automatic stay ASAP. Thanks to Geraci's tapes I had all the documents handy for her determination allowing me Chapter 13. For the first time in years I could breath and see I would be alright living on my retirement income. I thank Attorney, Nathan Curtis for appearing with me at my creditors meeting. I completed my payments this month. I plan to continue saving the payment to create a six month extra income. I hope never to use credit again. Thank you I