I actually dealt with Sherie in Edmonton. My first meeting with her was the best thing I ever did as she helped me feel comfortable in my quest to pay off 38000 dollars. No guilt or blame or feeling bad involved. 58 months later, I am debt free. Imagine that! Woohoo! I would strongly suggest that anyone who can if they owe, should go to Money Mentors. You'll feel great because you paid your debt off. Your credit is affected for 2 years rather than 6 and you will feel like you achieved a great thing.