~”I have to say that I am SOOO relieved we filed. Yes, of course I thought we were going to jail!!! I was afraid, but Mr. Balbus put us at ease immediately and he continued to so do throughout the process. Mr. Balbus helped us understand what to expect, made sure we were comfortable with our decision and of course, made us laugh. I thought going through bankruptcy would be horrific. I thought my whole family would be getting phone calls from our creditors (you know how they always find family:) Mr. Balbus made it plain and simple – and that it was – very simple. I wish I knew this a long time ago – the relief of filing is overwhelming. We have gotten used to following a budget and we are saving money – we have never had a savings account! It is eye opening – we pay much more attention to what we purchase and we have short and long term financial goals. The certification online courses were pretty helpful. Believe it or not we have been receiving credit card offers already – i don’t even open them:) We wish to thank you, Mr. Balbus once again – for all you have done for us and how you made our life so much easier!”