When one door closes another door opens; but we often look so longingly and so regretfully upon the door that closed, that we fail to see the one that has opened for us.


Power of Attorney



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Know all by these presents, that the

undersigned____________________________ hereby constitutes and

appoints Brad Coleman. DBA Colemanís Independence Institute, the undersigned's

true and lawful attorney-in-fact to execute and/or deliver for and on

behalf of the undersigned all correspondence addressed to credit

bureaus, including TransUnion, Equifax, Experian and CSC, and all

correspondence addressed to creditors of the undersigned and

collection agencies retained by such creditors, and to receive all relate

correspondence from such parties, it being understood that any

documents or correspondence executed or delivered by such attorney-in-

fact on behalf of the undersigned pursuant to this Power of Attorney

shall be in such form and shall contain such terms and conditions as

such attorney-in-fact may approve in such attorney-in-factís discretion.

The undersigned hereby grants to such attorney-in-fact full power and

authority to do and perform any and every act and thing whatsoever

requisite, necessary or proper to be done in the exercise of any of the

rights and powers herein granted, as fully to all intents and purposes

as the undersigned might or could do if personally present, with full

power of substitution or revocation, hereby ratifying and confirming all

that such attorney-in-fact, or such attorney-in-fact's substitute or

substitutes, shall lawfully do or cause to be done by virtue of this power

of attorney and the rights and powers herein granted.

This Power of Attorney shall be governed by the laws of the State of

Texas in all respects, including its validity, construction, interpretation

and termination. If any provisions are held invalid, such invalidity shall

not affect the other provisions which shall remain in full force and


This Power of Attorney shall remain in full force and effect until the

termination of the Client Services Agreement for whatever reason,

unless earlier revoked by the undersigned in a signed writing delivered

to the foregoing attorney-in-fact.

By signing below, I _________________________________ agree to the above terms and conditions

Client ______________________________________________



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