What amazing work – I engaged DJR over three years ago to help me work through my debts with my creditors (the banks) and then never gave up even though the banks' responsiveness was appalling. I'm sure DJR had to put in a lot more work than they anticipated but never once complained or charged me more than the agreed set fee - which in hindsight, was a bargain for what they were able to achieve on my behalf. I highly recommend DJR and in particular, Susan Morling and Terry Finn.