~”I was referred to Andy Balbus after 5 years of contemplation of bankruptcy. I had struggled with the concept for many years of having an excellent credit rating. Andy, at first helped me to evaluate my financial situation and with his knowledge we went forward to accomplish the Bankruptcy proceedings. With his professionalism and dedication to detail, he taught me about the process and made it appear easy. Even after the process was completed he still answers questions that arise in my mind. It was a pleasure and I’m finally on the road to financial recovery.”