I used HRLS years ago and when it became time for me to file bankruptcy, I decided to use them again. I was worried about my credit score post bankruptcy, the Rebuilding Credit booklet and 720 program helped a lot with that! I was also concerned about the complexity and stigma of filing. HRLS made the process really easy and I didn't feel like bankruptcy was something to be ashamed of anymore. I felt like everyone knew their roles and responsibilities and were very professional!