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[Music] I think balance so if here welcome to another episode of ask al how as most of you know Ive been in the real estate business as an investor for about 30 years and Im also a licensed engineer as well as a home builder and having done all that has had the effect of making me an expert in credit repair and credit building and also in credit maintenance in these YouTube videos I try to pass on a bit of that knowledge to yall and you know if you find this information useful you should go to ask al hakam check out my ultimate credit repair course theres seven hours of video training there and 113 various different downloadables to help you fix and build a maintained credit and as always if youve got any questions make sure you stick them in the comment section below and Ill do my best to answer them for you this episode has to do with debt relief services and why you should avoid them at all costs now before we talk about debt relief services specifically I think its importan