We Believe . . .

Negotiation skills can be learned.

Debtors can negotiate effectively.

Debtors can develop a winning attitude.

Debtors can reduce their own debt.

Debtors can overcome intimidation.

Debtors can manage anger and fear.

Unmanegeable debt affects family relationships—not just the family "pocketbook."

Sharing education and information is a responsibility of community.

Knowledge is empowering.