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Jake is with us in Michigan to start off this hour hey Jake how can we help you hey Dave and Rachel thanks for taking my call today sure whats up yeah I just had a quick question for you a few years ago I made some dumb butt mistakes with credit cards and about a year ago this was before I found you guys and your team I had signed up with a debt relief company where they consolidated all my debt and I pay them now and then they have been settling some of the accounts but the issue Im having now is my my brother introduced me to you and your team and hes been all over me about the getting a hold of these people because that theyre telling me that theyre going to have the debt paid off in five years and it seems like I might be able to do it a little bit quicker I just dont know how to leave or how to I guess figure out I guess Im just afraid to leave it in case I cant pay it off quicker yeah well lets understand that theyre not paying the debt right now right you know that yo