I was at the point of no return. I used every penny I had to meet my obligations and I had no idea what to do and thought I had no way out. then I saw an ad for MNP and made the call. They showed me the light at the end of the dark tunnel. I am close to the end and sleep without freaking out anymore. Renee is great to deal with and every one I dealt with in Kelowna where great as well. If anyone else is sleepless in Vernon call MNP and the sooner the better. I never should have waited as long as I did. If anyone is in my situation don't wait for a miracle or a lottery win. This is painless as can be and CREDIT SUCKS it isn't worth the stress. There you have it proof that mistakes and/or misfortune can be forgiven.