** HIGHLY RECOMMENDED ** I am an Internet Forensic Research Scientist… and I needed someone with forensic high-level competence in the credit card rating industry. I am retired. Preservation of my retirement is a top priority. My personal experience of Jackie Shapiro’s credit counseling is she is this: she cares… is knowledgeable, objective, practical, and effective. Jackie’s recommendations are competent and effective. I hope this review proves helpful to others.