Thanks for your comments!

@Braden Smith Thank you for your comments.

.@ Thank you for your comments.

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I just want to take a minute to comment here and second Account Closed just gave you a reference point that said 9-24 months.

I would disagree with "little debt" and "the exception" portions of the comment above.  

And as far as the professional comment above, I don't get why a 1% or 3% means that the guy will be more or less professional. 

@Matt Koerner: That makes a lot of sense - thanks for your comment.

@Tom Cooper his comments were casual and your replies all read as accusatory and confrontational.

@Teresa DelaMater I apologize, I'm just seeing this message because I wasn't mentioned in your previous comment.