I'm Michael from Consumer Recovery Network. I'm a debt geek. Been one since '94. I founded Consumer Recovery Network back in 2004. I created this channel as a means to directly, and freely, help people with their debt right from my office. I share what I know about debt settlement, consolidation, negotiating, credit counseling, bankruptcy, collections, and even things to look out for. Debt is unique to each person or family. What works for one person may not work for another, and I want to help you find the right fit to meet your financial goals. The debt industry, being so saturated with information, can make it tough to sort out - what's true and what's not, or what works and what doesn't. My hope is that this channel, and the information contained within it, will shine a light on the realities of getting out of debt. If you have a question that isn't covered here, please ask! I'll be happy to answer your questions in the comments, or maybe even spotlight it in one of my videos.