Yes, I can relate to all the comments above. Life was out of control for me. On the day before Australia day last year I made a call to MyBudget at Wheelers Hill and they miraculously had a free appointment that day in the afternoon. I jumped in my car & headed out immediately, with all my financial papers & letters from creditors and started the ball rolling. I'll never forget that day as it was the first day, like you, I slept well that night! With MyBudget's help I reclaimed my life. Thank you MyBudget.