~”Firstly there is the shame of knowing you cannot pay your bills and the constant worry. Then the endless phone calls and mail making your life a misery. If you are in this situation, it is time for a bankruptcy lawyer.

My husband and I were in this situation this year and it was a terrible time for us both. The credit card bills were enormous and the equity in our house non-existent. My husband found Andy Balbus conveniently located of exit 2 on 84 in Danbury and saw him for a free consultation whereby he looked at our fiscal situation and said we were perfect candidates for bankruptcy.

The process started with Andy diligently explaining the process with a sense of humor that you really need at a time like this and he gave us confidence that we could come out of this mess with our dignity in tact. The fear of being helpless is probably the worst feeling about being in such debt and once you have started the process you start to get it back.

Andy was there for every question or concern via email or phone no matter how silly our questions were and again was incredibly thorough with the necessary paper work. Once we were ready to file and our date for court loomed, he made us feel confident about whole scenario and what to expect. However, I think what impressed us most whilst we were waiting for our turn was that after listening to other lawyers and their clients somewhat unprepared for certain questions, how much we valued Andy’s experience and competence. We were finished in about 5 minutes! We can’t explain the relief but promise you will feel it too. The hardest part of the court day was that we forgot which parking lot we had left the car which took longer than anything else!

Since our bankruptcy was discharged this summer, we have been so much happier and although money is still tough for us along with so many others, it has given us our lives back.

We couldn’t recommend the bankruptcy process more and the need for a highly experienced lawyer like Andrew Balbus.”