Well - that's a different opinion. REFs are not the end of the world, but they are big delays. It killed me to write that giant check to the lawyer, but it cost much less that the 2-3 more trips to see my fiancee I would have had to do if my case had taken 24-26 months instead of 7 months. Just sayin.' If you don't cut your own hair, change your own oil, sell your house without a realtor, diagnose your own sicknesses, ect... why wouldn't you pay a pro to get you and your spouse/fiancee together ASAP?