When my wife left me expectantly in 2008 I struggled with debt accrued in trying to refinance many situations in our life so that we could retire by the time I would be 65. I was soon drowning under the interest alone and was not making any headway in getting out from under this life burden. Rafael not only was extremely professional and highly effective in helping me to see the light at the end of the proverbial "tunnel", but along the way he was a good friend with much good "life in general" advice from one who has a very successful marriage and wonderful children. I not only found financial temporal relief at a very challenging time in my life but I received "free of charge" some excellent spiritual and emotional advice that has helped me find hope again. I highly recommend Rafael to anyone who has strayed from sound economic principles and finds themselves floundering under suffocating debt. He will steer you in right ways and you will be grateful for the professional and informative way in which everything is handled in a timely fashion. His work for me has made a huge difference in my life and the happiness I am now enjoying after years of struggling.