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Hi there. I am Michael Bovee with ConsumerRecoveryNetwork.com and I want to continue on with our debt settlement video series and talk today about some things that you probably will never hear from a debt settlement company. Consumer Recovery Network is involved in the debt settlement industry where an educational service provider and we also provide the professional negotiations services, but we do it differently, we always have and so because of that I am free to talk about some of the things at my industry fails at. One of those is giving you enough information to decide whether settlement is right or wrong for you. The reason for that is mainly profit. It is mainly because if you dont engage with their services they are not getting paid so there is an easier softer less informative approach that is taking to sell people on the idea that selling is a good idea for them to avoid bankruptcy. So in this video I want to talk about five things that you will not that we hear at that set