~”Going through a bankruptcy is not a joke nor is it fun! I don’t believe that anyone who decides to take this step really wants to but it seems there is no alternative. It is embarrassing enough to get into this situation in the first place so the last thing you want is someone who asks you the why or how it happened! The very first step is finding a lawyer who understands. I was fortunate to find our way to Andy Balbus.

Besides explaining the process and the alternatives, he was not judgmental. He is very helpful in the process along the way. There is some paperwork and spreadsheets needed right up to the end and some seemed confusing to me. But Andy was always there for me. He answers his phone – himself! I never had to wait for a return call.

Before this important decision, I thought that I would have a heart attack from the stress. Not to mention the overall effects that my mental state was taking on my wife and family. Bankruptcy might not be that answer for everyone, but it was for me. Starting fresh gave me new life and encouragement to start over. And Andy was our start.”