Bankruptcy is not the end and Mr. Balbus helped me see that!! He walked me through each step of the way and always kept me up to speed with everything. I definitely would recommend Mr. Balbus to friends and family, at the least. More likely I’d drive them to their appointment to say hello and get some of those chocolates!! Mr. Balbus, thanks again for the laughs, the comforting perspective and the fresh start to the monetary side of life. Many blessings to you and yours