I had to get the creditors off my back! I had a big check coming from the sale of my Yacht and once I had the funds… everybody gets paid. The Free Report I received helped me understand some things and I didn't have to file bankruptcy at all. The skeletal bankruptcy process was fast. Just one day. Amazing and two days later… the phones were quiet. No more creditors hounding me. Thank you, Skeletal Bankruptcy for saving my sanity.