In 10 months, Monica and Theresa and the Virtual Bookkeeping way, helped us pay off $55,000 in debt. TEN MONTHS!!! We couldn't be mor pleased with the services we have received! One year from now we'll be debt free and I am confident in this plan as they base it on our actual income and expenses, but yet it's a team approach where all input is welcome. Each week we have a call to go over from what account to pay each bill, and where to put monies. We use them for personal and two businesses we own. Our personal "buckets" for spending, as they're called, are realistic for our actual spending and that is part of their belief and long term success. Over the holidays, for the first time ever had NO DEBT and we have four kids and got to spoil them! We even have $28k saved on top of the debt we paid off. It's true teamwork (and they're kind and compassionate to boot!). She does her job, we do our job, and then we're not worrying about money and getting to do the things we want to do in life. My business coach thought I would never recover from that much debt. We looked into filing for bankruptcy. It really is one of the best decisions we've ever made and has changed our life. It's even helped our marriage, as we all know that finances can be a huge source of contention... we're on the same page every week! It's amazing. If I could give more than 5 stars I would.