Stacy C. Notley, President and CEO of THE MANNING GROUP, knows all too well how devastating debt and poor credit can be when it comes to trying to provide for you and your family. As a result of the Texas real estate collapse in the 80’s, he was left in a state of financial ruin. The virtually nonexistent credit repair and debt management industry left him with no other decision but to tackle the daunting task of reestablishing his finances on his own, in essence becoming his own first client. Mr. Notley was able to become debt free and reestablish his credit rating within one year. Using financial education combined with hard work he successfully employed aggressive tactics enabling him to reestablish his credit and become debt free within one year. Having gone through the process of repairing his credit and freeing himself from debt on his own, Mr. Notley’s knowledge base is rooted in real-world experience, giving him the unique ability to sympathize with anyone trying to survive under the heavy burden of debt and the effects that a poor credit score imposes. Credit problems are not created overnight and only the steadfast implementation of a comprehensive plan of action can remediate them.