“I had been struggling under my debts; living very lean and sending the majority of my income – save for basic necessities- in order to service them responsibly. I was paralyzed an unable to make any moves towards a fresh start. Like most people, I wanted to pay my debts and looked at bankruptcy as something I’d do anything to avoid, including sacrificing my own well-being in multiple ways. When I experienced a job loss, and was unable to keep ‘afloat’ in this manner, I took a hard look at things and realized I hadn’t been afloat at all, but in fact, slowly drowning. That’s when I consulted Atty Andrew Balbus. Immediately I was made to feel comfortable, understood, and respected as a person, not a case. The entire process was demystified, the deeply ingrained stigma of filing erased and I came to understand that, truthfully, in terms of wise financial decisions, I should have filed years ago, gotten out from under an insurmountable situation, and lifted myself back into a productive, workable life-formula , financial and otherwise, instead of stuck on a hamster wheel to nowhere. Balbus was straightforward, efficient, full of information and above all – very human in his professional capacity – which I find a rarity. I can recommend his work, knowledge and process highly, and his character a ‘price above’. My advice is don’t hesitate to get started with at least a consultation, your life has more value than any sense of credit ever will. Balbus is your guy.”