To be a Christian without prayer is no more possible than to be alive without breathing.
“This filing spike is a result of bad information being pushed on people, and then they file for bankruptcy out of fear.”
“And trust, yes, which is important, but that is what I aim towards. Now that is difficult for some people, and with that desire to get things as good as possible, I would say that I'm probably regarded as quite prickly to work with.”