We take into account your short term debt such as a credit card debt that hasn’t been paid off in full for several years. We find ways such as re-financing this type of debt into your mortgage; therefore, it will greatly reduce your overall payments that you would pay towards a credit card at a higher interest rate. If we can roll your debts into a normal mortgage, your payments come down substantially so we can see more cash flow and you’re no longer paying this huge interest rate that you’re paying interest over and over again on your credit card. So in actual fact putting the debt into a long term debt solution like your property mortgage, you’ll pay less interest on that credit card balance even over 25 years than you would have over 1 year with this solution.