Thanks for your very professional response to my question regarding Junum vs. Lexington. As you said both firms look good. I agree. I have made my decision. I want to use Junum through Carreon & Assoc. Should I just sign up thru the internet via your website or since I live in S. California can I come into the Carreon office and sign up. I am making the presumtion that a home foreclosure in 1998 and six credit cards discharged in a Chap 7 B.K. in Feb 1999 did not scare you off. Thanks again.