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The Malloy’s knew they were in trouble when they could no longer keep up with their monthly expenses and they were falling behind on their bills. Living in Ohio had subjected them to the closing of the auto plants and the businesses that had supported these plants. Bob Malloy had worked for a small company that manufactured parts for use in these plants and so he found he was without a job and he was unable to find another one. Unfortunately, Bob and Tina had a twenty year old son who found trouble wherever he went and so it was that because of an incident where he used poor judgment and found himself on the other side of the law they had to obtain the services of a Cincinnati criminal defense attorney. While working on the case for their son, this same lawyer recommended a Cincinnati credit repair company to help them with their finances. It truly was very helpful to them and together they were able to put together a financial plan that helped them manage their bills until Bob was able to locate another job.