"I wouldn't hesitate to recommend MNP if I come across someone that finds himself/herself in the dire straits I was in."

As painful as it is to realize you have no other options, declaring bankruptcy for anyone is a huge, but in my case, an inevitable decision. I wish I'd done it earlier, instead of battling an unwinnable war with creditors, throwing good money after bad. Now that it's over, mornings are much brighter (even with snow!). The day of my discharge is one of the more memorable days in my life, and it will never happen again. I thank MNP for its unbiased advice, and availability to address my concerns during the process. I wouldn't hesitate to recommend MNP if I come across someone that finds himself / herself in the dire straits I was in.