“I reached out to try for a loan after receiving a pre-approval via mail. I spoke with Kevin R*** one of the senior financial consultants. Let himKnow we had some rough times after Covid and couldnt afford to keep paying the bills and our cards cause they all kept increasing. He did a pretty good job explaining the approval process and In about 10mins I got a high interest loan offer with Lightstream and Marcus by Goldman Sacs and zero payment with Sandstone Legal. He explained the options throughly because I could not believe zero interest, I understood better when I learned for that to happen I had to be ok with closing a few cards, and I decided I liked the payments and benefits of the Credit Card Modification with Sandstone. I couldn’t use most of cards anymore anyway but I wasn’t too sure about ruining my credit history or my score because I had my accounts for years Mr. R*** tried to explain that wouldn’t happen but I didn’t feel better after I did some research of my own and so far so good. He also showed me how much I would save time and money monthly, best of all how I could repair the damage done to my credit score by paying back faster and by the end would have the accounts show up as paid on my report. I have an app they gave me to download that keeps me updated on progress with my creditors and I can even make extra payments when I’m ready. I found over time what he said to expect was true. They notify my creditors and show me where my payments go and cover every enrolled account so I don’t have to worry about my creditors. I was even able to keep a few cards for emergency. I think most of all I’m able to see a difference in the money I have every month, I’ve already paid down two of my other cards and i cash to use now instead of those cards, so far I’m happy because I needed to do something to change the position Im in. 10 months in so far and I had to show my gratitude.“