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Credit Card Management Services, Inc.

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Nonprofit Overview

Causes: Economic Development, Education, Educational Services, Financial Counseling, Homeless & Housing, Housing Support, Human Services

Mission: Credit Card Management Services, Inc. d.b.a. Debthelper.com is an IRS Approved 501c3 Non-Profit Florida Corporation dedicated to our mission to educate, advise and empower youth to seniors to handle debt, credit and housing and to provide affordable housing opportunities through the acquisition and rehabilitation of residential properties. Debthelper.com partners with those who create opportunities for people to live in affordable homes, improve their lives and strengthen their communities. Debthelper.com is ISO: 9001 Certified as audited by BVI, is licensed, bonded and insured to provide quality debt management services as governed by its Code of Practice and Best Practices through its membership with AICCCA, the Association of Independent Consumer Credit Counseling Agencies. Debthelper.com is a member of ACCPros, the Association of Credit Counseling Professionals, a member of the Florida Housing Coalition, a member of the NCHA National Housing Counseling Association. Debthelper.com adheres to the NISHEC National Industry Standards for Homeownership Education and Counseling and is a partner with the FHF Florida Housing Finance Corporation. Debthelper.com is a proud member of the Southeast Florida Better Business Bureau.

Target demographics: Consumers

Direct beneficiaries per year: 45000 Consumers

Geographic areas served: All States

Programs: Education for seniors 62 and other the options and alternatives and benefits of a reverse mortgage; homebuyer education and foreclosure prevention, debt management and debt consolidation, student assistance, mortgage assistance and financial education and credit counseling.

Community Stories

116 Stories from Volunteers, Donors & Supporters

1

Client Served

Rating: 5

I am debt free. Thank you DebtHelper.com Thank you Cheryl Faust for all your help and keeping up with me during these last 3 years. You are a Super Star. Thank you Cody for checking with your calls to see if everything was ok. 1000% use this company if you want to be debt free even if you are not late in your payments. They are the best. Thank you

1

Client Served

Rating: 5

Great working with Chris on the evening of the 17th. Did a great job, informative, making sure I understood about the reverse mortgage process. Great job. Thanks
Glenn G.

2

Client Served

Rating: 5

My counselor, Rene, was very easy to work with. He was thorough and made sure I understood the language of the contract prior to moving to the next point. He answered all my questions before completing the session . Thank you for your help.

4

Client Served

Rating: 5

Our counselor, Rene, was very easy to work with. He was thorough and made sure we understood the language of the contract prior to moving to the next point. He answered all our questions before completing our session . Thank you for your help.

5

Client Served

Rating: 5

Our counseling session was by phone. Our appointment schedule was punctual and very informative.
Our counselor was very courteous and explained things very clearly for our understanding and satisfaction. The time was used to make every thing clear and was used wisely.
We are extremely satisfied with this organization and counselor.

3

Client Served

Rating: 5

The agent was very professional and articulate. Any information that was unclear she explained. Any any answers that were vague she gave details. She advised me on learning more about budgeting than just doing it to earn the certificate. She was great.

4

Volunteer

Rating: 5

I was refinancing my reverse mortgage and Barbara H was my counselor from Debt Helper. She made the experience so easy and quick. She put me at ease before we started. It was great talking to her.
Judy

4

Client Served

Rating: 5

I would very highly recommend this service to anyone that is required to take HUD counseling. Mohan Lalwani is the best!! If you have any questions regarding a reverse mortgage, he is an encyclopedia of information. I do not think there is anything this gentleman does not know about his field. He professionally answered all of my questions and even some I did not know I needed to know.

Excellent experience.
Judy Smith
Garland, TX

4

Client Served

Rating: 5

In searching for solutions for my father who has dementia, I looked into a reverse mortgage so that he can remain in his home with at home healthcare as long as he is able. I was counseled by Rene Viloria, who was very thorough, quite pleasant and knowledgeable. He had the answers to all my questions and made sure that I understood my options in great detail. I highly recommend this non-profit HUD counseling service.

6

Client Served

Rating: 5

TYTYTY 2 DEBTHELPER...everytime i call my questions are answered quickly..i have every confidence all staff know how to help me everytime..TYTYTY DEBTHELPERS

6

Client Served

Rating: 5

My name is Don, I just want to thank DEBITHELPER.COM and Susan Cammarano for helping me with my credit card debit. Susan was very professional on handling my case. Susan gave me words of wisdom and was very kind I will never forget what Susan and DEBIT HELPER.COM has done for me. Thank you so much and God bless you all. Thank you Susan.

6 Robert S.4

Client Served

Rating: 5

My wife and I just completed a required reverse mortgage counseling session with Bill Messerschmidt of Debthelpers.com. He was objective, comprehensive, and very informative throughout the session, as well as friendly. He provided thoughtful financial alternative strategies for us to consider and was a good listener too. We highly recommend Bill and his local office in Asheville, NC as an outstanding resource to schedule, conduct, and follow-up on financial counseling, and really helped us identify great strategy options that were new to us. Thanks

6

Client Served

Rating: 5

We highly recommend Bill Messerschmidt and Debthelper.com.
He was very professional and clearly explained all the material thoroughly during our reverse mortgage counseling session. His material was easy to understand to our satisfaction. He took all the time necessary to explain the answers to our questions to make sure we understood the answer.

6

Client Served

Rating: 4

I'd like to thank Bill Messerschmidt for his help this morning in better understanding a reverse mortgage. Bill explained things in terms that were easy to understand which has helped me in making a more informed decision. I now feel ready to move forward with a reverse mortgage. Thanks, Bill. I'd also like to thank DebtHelpers for several reasons. One, as a non-profit, the fee was very reasonable, but more importantly, the two times I called, customer service answered the phone within a minute of calling and was very helpful in taking care of my situation. Thanks to you, as well. I wholeheartedly endorse DebtHelpers. I appreciate all you've done for me.

7

Client Served

Rating: 5

From the moment I called debthelper.com and spoke to Yoleny G., I felt I was in good hands. She was professional throughout the entire process. Her professionalism deserves more than 5 stars; it was top of the line from start to finish. When there were processes I didn't understand, she patiently explained the processes and documents I needed and why. It was so nice working with someone who was understanding during such a difficult time. Thanks!

6

Client Served

Rating: 5

Susan was a sweetheart from the time I contacted Debthelper. She took a listing of my debts and info on them. Soon I was setup with an account and she even set it up to be deducted from my checking account. She was Johnny on the spot with help to understand the process. She stopped all tge collector calls as well. She was my ROCK. She kept in touch with me thru out the process. What a blessing she was. It was so easy and I found peace of mind. I am now debt free from credit cards. I want to encourage anyone that has this kind of debt to call them and ask for Susan she will be there for you. Great job Susan

6

General Member of the Public

Rating: 4

DebtHelper did a great job, but I rated it 4 Stars because of the person I spoke with when I called to make the appointment. She did not exhibit good customer service skills and seemed rushed and bothered that she had to take my call. Her name is Kenslande JeanBart and she also failed to attached one of the documents I was to receive.

However, the next two employees were just the opposite. S. reyes emailed the missing document and was very helpful and professional. Alex Borge, the counselor who called me today, also was very professional, helpful and professional.

7

Client Served

Rating: 5

I had a list of 16 companies to choose from, to schedule a counseling session for a Reverse Mortgage, and I called 10 of them before making a decision.

I chose Debthelper.com. not only because their fee was less than any of the others I called ($120.00), but also because they actually answered the phone, and were the most helpful initially.

We were counseled by Bill Messerschmidt who was not only very informative and helpful, but we actually learned two things we were not aware of regarding a Reverse Mortgage! That information was invaluable and changed the way we decided to use the Reverse.

I highly recommend Debthelper.com if you're looking at any Reverse Mortgage!

From a very grateful client - Terri

8

Client Served

Rating: 4

DebtHelper staff members called me several times to be sure I was ready for the counseling session with Bill Messerschmidt. They were very clear about the information I needed to have at hand during my hour session with Bill in March 2017. He called on schedule and shared A LOT of facts and options while explaining the Reverse Mortgage process. All folks I talked to were polite and extremely helpful in the daunting process of understanding reverse mortgage loans and the process. They kept in touch with my advisor at the mortgage company and immediately faxed him the necessary papers for the process to move forward. I will definitely recommend this group to my friends. Thanks for a positive experience!

6

Client Served

Rating: 5

My wife and I enjoyed our counselling session with Bill Messerschmitt. He was informative and gave us valuable information about the Reverse Mortgage. We would definitely recommend Debt Helper and Bill for counselling services. Thank you

6

Client Served

Rating: 5

My experience with William on 3/15/2017 was very informative. I learned a lot about reverse mortgages. He help me to understand the progress he help me in considering the options that were available to meet my needs...

9 Wendy169

Client Served

Rating: 5

I've read a billion things about reverse mortgages and it was like cramming for my finals, figuratively and literally! At 75 I'm still working because I HAVE to and I live in fear that I will lose that job - no one's gonna hire a person of my age. Anyway I was referred by a friend to a Reverse Mortgage Specialist , Earl Rose - he patiently went over everything and then sent me to DEBTHELPER.COM, which is a counseling service that makes sure you know exactly what your options are and to give you the opportunity to consider your decision. I worked with a super nice guy named Bill Messerschmidt and he is the most patient man - he was polite and calm no matter how many times I interrupted him to clarify something. He answered all of my questions and even maintained a sense of humor.

Now that I know what this reverse mortgage thing is all about - I'm going to go ahead with the process and hope this will help take some of the pressure off my shoulders.

8

Client Served

Rating: 5

The information and help I received from Nicole ButtsWimpel and JacobDenton on the Hardest Hit Fund, was above and beyond what I could ever imagine. Their professionalism and expertise made the whole process a much easier task.Thank you

9

Client Served

Rating: 5

This company was very Helpful. Very understanding of my situation. I would recommend them anytime.

9

Client Served

Rating: 5

Awesome company! This company did a workshop at my church. I took notes not knowing that I would soon need their assistance. Illness hit and I contacted debithelpers.com for help with the hardest hit program. Nichola was amazing! She walked me through the paperwork and process step by step. Nichola answered all of my questions and at no point did I feel lost. She emailed and called me at my convenience--- who does that??? Not to many companies that I know. I was approved for the hardest hit program; meaning catching up my mortgage and paying it for me for 12 months. Free, I didn't give them a dime!! What a blessing.

8

Client Served

Rating: 5

Bill Messerschmidt handled our reverse mortgage counseling session with the utmost professionalism.
His information was concise and easily understandable. If we had any question he took the time to explain the answer completely and made certain that we understood that answer.
We highly recommend Bill and Debthelper.com

9

Client Served

Rating: 4

The Credit Card Counseling session was very informative. I'm glad I took this and waiting on next session. Everyone should learn from this and take the course. You will feel better and smarter . My Counselor was real nice and explained everything to me.

11

Client Served

Rating: 5

SPREADING GRATITUDE:


This is a true testimony of the journey to save my house. I was unemployed for 4 years after being laid off in 2011 from a company where I gave 11 years of service, due to cut backs and the economy. During that time I STRUGGLED to pay my mortgage and fell short in the last 20 months. When I was 12 months past due I asked the bank if they would combine the past due amounts and add it to the mortgage which would grant me an opportunity to start over. The bank refused. Then I boldly asked the bank if they would willing to take $10,000.00 and allow me to start paying the mortgage again. It was a bold move because I did not physically have the money yet. The bankstill refused and filed a foreclosure on my house.

I realized that the bank had no intention to work with me and that this is a problem that a lot of homeowners face. You pay a “30 year mortgage” for over 20 years and as you get close to the finish line they want to rob you of your hard work, then capitalize on it with someone else. Lord, the devil has a plan, but My God has a planet and within that planet there are some GREAT PEOPLE and resources such as Florida Hardest Hit Fund (FHHF) that helped people like me and my friend Clinton (Junior), who God sent to provide me with the information.

It was a long and, at times, tedious journey. It seemed I would be asked for 5 papers and once those were sent I was asked for 10 more. The same process took place but the amount of papers requested seemed to increase. BUT it was all worth it!

In my first attempt seeking help with FHHF, I was told I was not qualified. I was honest in all aspects, so it befuddled me. Yet, I tried again and my persistence paid off in the end. I was working with a FHHF representative by the name of Jacob and if there is an award for the best customer service, Jacob should be the recipient 10 times over. Jacob has the patience, professionalism, tolerance and empathy of a saint. When I was initially not qualified, he took the time to explain everything in detail, even though I was not a client and there was no benefit to help me. He was just as gracious in my moment of triumph as he was in the face of my defeat.

I wrote this message for a few reasons. First, I want to thank the family at Florida Hardest Hit Funds, especially Jacob who had worked on my case so diligently. Secondly, for those of you who are struggling give them a call. You may even get Jacob but, regardless, I can assure you that FHHF will fight for you! Lastly, do not let the banks take away what you have worked so hard for, there are resources out there to help you, reach out to them.

Sincerely,
Beverley Anderson

9

Client Served

Rating: 5

Excellent advice on reverse mortgage. On time and friendly.

9

Client Served

Rating: 5

Alex C at DebtHelper.com explained everything clearly about a reverse mortgage and what to expect. Very helpful counseling!

9

General Member of the Public

Rating: 4

Debt Helper helped me understand the first time home buyers entire process. Some of the things I already knew, but the terms that I didn't already know were explained to me in a way in which was easy to understand. I would recommend this company to any first time home buyer! I wish it was a little less expensive as the home buying process in itself is very expensive, but other than that I would highly recommend them.
Melissa H. - Naples, FL.

9

Professional with expertise in this field

Rating: 5

FAR EXCEEDS EXPECTATIONS INDEED!
Extremely helpful, very quick turnaround on requests , amazing customer service , always super courteous, builds great relations and represents the company in a very professional manner-thank you so much to Jaan Lalwani because she is DebtHelpers' CCMS)greatest asset!!

8

Client Served

Rating: 5

Wafaa was really awesome. I explained why we had to do this and she was very understanding. Bad things happen to good people. Highly recommend this program.

8

Client Served

Rating: 4

I was referred to DebtHelper.com by Legal Aid of Broward County. Their website was easy to use, and after completing the online course, I took a break before caling them for the interview part. The staff were diligent in contacting me to make sure I did the necessary phone interview as well, to complete the process. My phone interview was informative and professional. I spoke with Traci, who was really nice. She was knowledgeable, thorough, and friendly. She answered all of my questions patiently, and made the experience expedient and pleasant. This was actually the second time I've completed the course, and I got consistently good customer service from all of the staff I spoke with.

7

Client Served

Rating: 5

My interview with Bill was very informative and Bill made it very easy to understand. He took his time and made sure I understood all aspects of the mortgage. Also he was very personable and easy to work with. I was very impressed with his performance.

7

Client Served

Rating: 5

The information I received was about a reverse mortgage. All was explained thoroughly and easy to understand. Bill Messerschmidt was very personable and friendly. I would highly recommend Credit Management.

8

General Member of the Public

Rating: 5

Bill was very helpful to us in understanding the Reverse Mortgage rules and requirements. I would recommend him to every one. Dan Rouse

8

Professional with expertise in this field

Rating: 4

Jaan Lalwani has helped separate Debt Helper from the rest. There's no other agency that offers the type of support at her position that Ms. Lalwani selflessly offers on a consistent basis. She's a real asset, not just to the agency she works for but to the industry overall.

H. Parker

8

Client Served

Rating: 5

My interview with the team member was great.He made me understand The facts About This Reverse mortgage in great detail.

8

Client Served

Rating: 5

I consider myself a client of CCMS, because as a loan originator solely for reverse mortgages every one of my clients undergoes a HUD mandated session with an objective third party. Clients who have used CCMS for that counseling session unanimously report a cordial, informative session that answers all their questions and gives them confidence that they had the whole story. I receive only compliments on this particular agency. And when I was faced with a crushing deadline for a client, CCMS went out of their way to accommodate them so we could complete the transaction on time.

9

Professional with expertise in this field

Rating: 5

I want to let you know that Jaan Lalwani far exceeds any one I have worked with in the business world. This one is a keeper. She responds quickly and is very reliable. Because of her your number is one I keep on my list for my clients to call.

9

Client Served

Rating: 5

I retired early due to a disability and was not able to make my Mortgage Payments., I applied for assistance with my Mortgage holder 2 Months before I was unable to pay. it has been 7 months and they still have not responded to my needs.
Someone told me about Florida Hardest Hit about 3 months ago. Credit Card Management Services was not only able to help me, but they did so very quickly. I was impressed with their professionalism and urgency to help. Thank you Nicola for all of your hard work and diligence. You guys have restored my confidence in these kind of Services. I can now get back on my feet thanks to you !!!!!

10

Client Served

Rating: 4

Bill Messerschmidt, This consultation was very vital with him. enabling me to be equip with all of the particulars to attain a Reverse Mortgage. Which he recommended other Information to fit my needs.
Thanks
Princis Scott

10

Client Served

Rating: 4

On Monday, March 21 2016, I had a counseling session with Bill Messerschmidt on the topic of HECM loans. Bill was 'very' thorough over the course of the session and showed complete knowledge of subject matter. Bill patiently answered all the questions I could think of. Seemed like a very likable fellow.

11

Client Served

Rating: 5

On March 11 2016 My wife and I did a counselling session on the phone for a HECM loan. Bill Messerschmidt was the counselor and he put us ease right away. What we thought may be a daunting exercise actually was informative. Thanks to Bill it was easy.

10

Client Served

Rating: 5

I worked with Mr Bill Messerschmidt today, Friday, February 26, 2016, on a Reverse Mortgage counseling session. Mr Messerschmidt was very helpful and informative and answered all of my questions about the Reverse Mortgage process. I would definitely recommend DebtHelper for anyone needing help with and understanding of the Reverse Mortgage process.

10

Client Served

Rating: 5

I had a counseling session with Bill Messerschmit on the topic of HECM loans. He was very thorough and knowledgeable. His explanations made a complicated subject understandable. In addition, he seemed concerned with me as an individual and welcomed my questions. I am very satisfied with my experience today.

10

Client Served

Rating: 4

I think Bill Messerschmit did a fine job, though his computer was down. He explained well and was patient with my questions.
RoseMary Polhemus

9

Client Served

Rating: 5

I obtained a $50,000 principle reduction on my mortgage with the assistance of my HHF advisor Nicola Butts-Wimpel ! Her diligent efforts made the process seem so easy. Her open communication and constant follow-up with me was remarkable. Whenever she sent me an email , she called to ensure that I received it. She ensured that all of the required documents were submitted as needed and explained each step along the way. The whole process took only 3 months! I am very grateful for this program and would like to say thanks again to Nicola.

Barbara B

9

General Member of the Public

Rating: 5

Very greatul with Nicola Buttswinpel, very helpful, corteus, Very PROFFESIONAL
Thanks again Nicola. Appreciated.

8

Client Served

Rating: 5

Thank you for helping with my principal reduction. Nicola Helped me through the long process that got my principal reduced to a reasonable value. Thank you again. Jared Phillips

7

Client Served

Rating: 5

MANY thanks to my adviser Nicola Butts-Wimpel at Debt Helper for all her help and guidance to obtain assistance through the Florida Hardest Hit Fund. I has been a stressful time after being laid off of my job of over 5 years and depleting all my Unemployment Benefits. Ms. Nicola used patience and great communication with me through the entire process. Nicola was so sweet to call me while she was on vacation to let me know I was approved. :-)

6

Client Served

Rating: 5

I've only been working with DebtHelper for a few months and I must say my Financial Coach, Felicia Lilliard is absolutely amazing. She's Very flexible with her time and very knowledgeable when it comes to obtaining financial freedom.

6

Client Served

Rating: 5

Credit Card Management Services, Inc./dba/Debthelper.com, was definitely a Godsend during a time in which I had been discharged from my job of nearly eight years, had exhausted my unemployment benefits and had been displaced from my home due to a fire. Mrs. Nicola Butts-Wimpel guided me along in the entire process and ensured that all required documentation was submitted to Underwriting in a timely fashion. She kept constant communication with me via various avenues such as: email, phone, mail and fax. Under the circumstances-at the time-I have no doubts that this process would have been a much more daunting task had it not been for the care, compassion and dedication displayed by Mrs. Nicola Butts-Wimpel and her team at Credit Card Management Services/Debthelper.com. Thank you all!!!

7

Client Served

Rating: 5

I cannot thank or say enough good things about Ms. Nicole Mezima and Debt Helper and the other staff members for all their assistance with the Florida Hardest Hit Fund application process. At the time, my house was on the verge of being foreclosed on and I could not see the light at the end the tunnel. Ms. Mezima was very thorough and detail-oriented with regard to all the information needed to give HHF and had you give her the most accurate and complete picture of your particular situation. She always responded quickly to any questions or concerns that I may have had. I found Ms. Mezima to be very professional, dedicated, compassionate and understanding and she seems to love helping people and assuring them that things will work out for them and life will get better, even though it does not look like that at the time.
On Thanksgiving Eve, Ms. Mezima gave me a great gift by calling and saying that HHF had granted me mortgage assistance. Thank you does not seem like enough to say with regard to how grateful I am.
As for Ms. Mezima and the staff of Debt Helper and HHF, I am truly blest that I have had your help and considerations. We need more people like Nicole Mezima and companies like Debt Helper to get people back on their feet. I am so glad to know that there are still good people in this world. I wish all that had a hand with my blessing, have a wonderful and blessed holiday and that you all receive all the love, health and prosperity for you and your family as well. THANK YOU AGAIN!!!!

Veronica Martinez

8

Client Served

Rating: 5

Francisco Vargas was a big help with assisting one of our young patients families with a loan modification when the bank threatened them with foreclosure.

9

Client Served

Rating: 5

Ms. Nicole Mezima at debthelpers.com has always been and continues to be a viable supporter in reaching out to those in need. Her thoroughness, dedication, and professionalism is always at the highest level. She has been exemplary in every regard of the help and guidance she provides. She is compassionate about helping those in need and this is displayed in every aspect of her job. My life has been enriched by all the help she has provided to me and has always been an advocate looking past the challenges and never giving up. Her passion for helping others is a tribute to a person who truly puts others ahead of herself. To know her is to be blessed.

Deb McCoy

9

Advisor

Rating: 5

Fist, I would like to take this opportunity to thank Felicia, she was great and helpful.
she help me with my credit card debt and also help me with my personal financial I learned how to manage my monthly budge.
I will 5 star I love the service.

Suzy Goncalves

10

Client Served

Rating: 5

I would like to thank my Advisor Nicole Mezima at Debt Helper for her help and guidance in the process of assisting me with the HHF for Unemployment mortgage assistance. Nicole helped me through this difficult time by providing educated information and with quick turn around times. I strongly recommend Nicole and Debt Helper for all those who need assistance & professional advise on any type of services that they may offer.

HCampbell

9

Client Served

Rating: 5

I, am Ann Young, a single mother who has not been able to work due to medical problems since October 2014. I have applied for SSI/Disibility, but have been denied, and now I am in the appeal process. I have been praying for someone to help me, and one day I called 211, and they told me about Debt helpers. I did not know about the Hardest hit fund, or that something, or someone would really help me and my children. With only $250.00 monthly income from child support. I did not know what to do. So I only called to see if I could get help with Bankrupcy, and I explained my situation to Nicola Butts Wimpel. She told me about the hardest hit fund, and that I may qualify for it. She was A God send and a blessing right from the first phone call. It was no accident that God put her on the line. I submitted my paper work, and I got the call today 9/22/2015. That my application has been approved. I just wanted to say Thank You once again Debt Helpers, and Nicola Butts Wimpel. God bless you all.

8 Iriana F.

Volunteer

Rating: 5

She helped in getting my credit back up again. She was really great in assisting me. Claudia Vidal monteiro Fehribach helped me a lot.

8

Client Served

Rating: 5

I was out of work for seven months and this organization was beneficial with helping me get back on track till I found a job. After finding a job and working for a year, what seemed like a long term setback turned into a great comeback to get back on track with restoring my finances and getting the advice and support I needed from my representative (Francisco Vargas).

Mr. Vargas was very helpful and supportive through the process of helping me get the assistance I needed to retain my home. Whatever obstacle was in the way, he was very supportive by researching and following up with me on the positive outcome.

9

Volunteer

Rating: 5

I woul like to thank Claudia Fehribach at Debt Helper for her help and guidance on the process of credit card consolidation.I strongly recommend Claudia and Debt Helper for all those who need professional advise on any tipe of services that they offer.
Mari Bock

9

Client Served

Rating: 5

After many years of excellent credit, some medically related issues rendered me insolvent. In preparation for filing bankruptcy, I was required to complete a "course" in credit counseling. This site was very easy to follow and very user friendly. At the end, one must complete an interactive interview.

Needless to say, this is a very stressful time. When I called, I was fortunate to speak with a lovely representative by the name of Yadira Diaz. She was knowledgeable, friendly, and compassionate. What a wonderful "face" for your company! Please give her my thanks for making a difficult situation easier.