[orphanagemom]

Wow! Let me rephrase my post a bit. The law firm I'm talking about does't do "credit repair", but they go in and get credit agencies to realize when they have misrepresented someone's finances. There is a certain amount of work that agencies are supposed to do - to make sure they have the right info, and it takes time, and they simply don't want to do it, or pay to have it done, so they just go after the wrong person, or submit the wrong info. on a persons credit report. Or, if it is just a case of being on the edge of bankruptcy they have counselors and finance experts to help figure out budgets. Yes, you can do this on your own, but in many cases it is extremely difficult! A great many people in this world could use the advice of a good budget. Have a good one!
Jen