YES THIS IS JUST THIS GOOD!!!!!!!!!!!. NOW TO explain because this is not what you think. If you have ever fallen into financial woes and not found someone to help you that will stand with you and not just do the business of sorting your mess out. This is not a broker who will take with one hand and give with another. It is a HELP organisation set up by a kindly fellow oringinating from, YES pommy land. Now all over the world helping people get their life back on track from the financial and personal perspective. I could write heaps. Daughter had a crisis when she tried to invest and lost out big time. Her debt effected her health terribly. I note that many of these help situations are coming on line at the moment but this one is FIRST CLASS. Yes it is based upon christian values, it is run by people who have more than finanical training who want to help you get on board life again in every dept. They set you a plan with your permission. They walk with you and encourage you along the way. They are there when you want to talk about the issues and they do recommend their values without pushing something down your throat. Nic at Oxford Falls will pass you onto the person in your area and a visit later and you will be hooked to the HOPE that you have and not your debt crisis. A charity but not the sort you are thinking of. You have to stand up and be accountable but the first step is the hardest. Thanks to them and without escaping things my daughter is debt free and on her way to some good savings. Nobody is without HOPE unless you sit there and don't talk to someone