It feels wonderful to be here. We had to drive in from Baton Rouge for it, but it's still our hometown team.

We don't encourage or discourage. We're just here to give them the facts. We don't pre-qualify them.

One of the main objectives is to make them successful from this point forward, whether they file or not.

We'll go over the qualifications of filing for bankruptcy and the difference between Chapter 7 and Chapter 13, the means test, the advantages and disadvantages, the pitfalls of filing, what's exempt and nonexempt.

Most of the people are doing a work-out plan, a payment plan, or they're able to handle it on their own with a little guidance. Most of them just need training. I really believe most Americans don't know how to build a good budget. I think that's pretty much it in a nutshell.

There is nothing beautiful about perfection; those imperfections that you hate so much about yourself are the reason that someone else loves you.