“You did a great job for me and I will strongly recommend you to others.  Your strong credentials and passion for the subject matter should be emphasized.  I can see that the general public and small business owners would need a lot of hand holding throughout the process.  Your relaxing approach is very refreshing and comforting than talking to an uptight attorney who talks more than he listens without mentioning names.”

“Thank you so much Andrew!!!  You are amazing!!!”

“When filling bankruptcy I had the pleasure of meeting attorney Andrew Balbus. From the first and through the entire process he kept me well informed in the steps and processes to bankruptcy.  When the day came in federal court, attorney Balbus had me so well prepared, that we were through in less then a minute of questions. I will always recommend Andrew Balbus to all my friends and family for his exceptional skills in the field of law.”

“Let me start by saying that only the Balbus lawfirm saved me from multiple massive headaches. These issues, that were unique to my bankruptcy, were not spotted by the other bankruptcy “lawyers” who I had previously consulted. I am so lucky to have done exactly what your doing now, that is looking up some reviews on the other firms before I committed. I learned so much from my Bankruptcy and have lots of tales to tell, but the most important one is that the quality of your lawyer is critical. It chills me to imagine what would have happened had I chosen either of the two other bankruptcy “lawyers” who turned out to be very ill informed, or careless. If your reading this, your doing the right thing, researching your lawyer is critical. The Balbus lawfirm was leaps and bounds better than all the other firms I dealt with. They put a human face on all the proceedings, going in great depth to explain what was going on and what the options were. In every profession there are people who go the extra way, The Balbus lawfirm qualifies for that distinction with flying colors, I can’t say enough good things about them.”

“When I was considering Bankruptcy, I was very depressed; I was disgusted at life because I felt like a trapped animal, with no way out. My credit cards debt was very high, and I had tried everything possible to deal with it with no success.

At work, I was just physically present, my mind was always wandering elsewhere. I could not concentrate on anything.

I would drive from home to work and vice-versa and not even remembering how I got there. In a nutshell, my stress level was to the roof, I thought my life was over and I wished I could just disappear. All these details are worth mentioning, because if I knew what I know now about Bankruptcy, I would have done it earlier and saved myself the aggravation, and the negativity I submitted my family to.

Two months after filling Bankruptcy, I was discharged of about $50,000 in credit card debt. Now, the entirety of my paycheck is at my disposal. Moreover, I already received an offer for a credit card with 0% APR for 9 months and 24.99% APR thereafter, because my credit report now says I have $0 in credit card debt.

Don’t get me wrong, I’m not saying that filing Bankruptcy is a panacea, and will solve all your problems right away. What it does however, is that it gets the monkey off your back with the protection of the law, and gives you another shot at life. It’s up to you to learn from your mistakes and avoid making them again. As far as I’m concerned, I now feel re-born again. I learned through the process to better manage my money, and I feel very much happier and relax. My stress level is normal, and I am very confident about my future.

The moral of the story is that, whenever there is a problem, there is a solution. However getting the right one is very important in determining whether you will feel happier or not at the end. For me Dr. Balbus (as I call him) was the solution I needed.  I went to him petrified, powerless, hopeless,disappointed, ashamed…etc. I honestly did not believe life would ever be normal for me again. Today I am a happier and better person, because of him. He definitely is the debt Doctor.

The way he deals with your debt issues is very respectful, human, reassuring. He puts you at ease, and as you go through the process, you progressively evacuate your stress, and regain you confidence, and hope.

Do not waste time procrastinating; suffering silently, with nobody to help you. Do not think that drinking heavily, or doing drugs, will make your problems disappear. If anything, they will make them worse. Go see Dr. Andrew Balbus, and he will help you make informed decisions about your life.

Thanks again Dr.Balbus.”

“Thanks Andy!!!! I feel so much better now and I know I have been a pain in the ass throughout this process. I would highly recommend you to anyone I know that may be going through what we went through!”

“I would like to share my experience with Balbus Law Firm with anyone considering to file for bankruptcy.

I was terrified of filing for bankruptcy, as I had heard nothing but negative input including that I would ruin my credit FOREVER!! But after months of sleepless nights, and non stop harassing phone calls I thought it couldn’t get any worse so I finally made the call.

When I first walked into Balbus Law Firm, I was greeted by a friendly atmosphere, a warm smile and a great sense of humor.. After just a few minutes of my first meeting my nervous knots were gone and I knew I made the right decision, Although I didn’t know much, Attorney Balbus made me feel comfortable, and helped me to understand what to expect. He was very knowledgeable,  kind and patient with me. What I thought would be hard, turned out to be very easy, as Attorney Balbus showed me what I would need to do(which was very little) step by step and he took care of the rest.

Even the online course’s were helpful, before filing bankruptcy I didn’t think I had money to put up for a rainy day or have any type of savings, oh and following any type of budget was non existence!!! I now have a savings…not a lot, but if my car breaks down, or the unexpected  comes up I will be okay, and not have to go in debt, or borrow money that I can’t repay.

The entire experience has been life changing, Nine months ago I was so far in debt that most nights were sleepless and my phone ring non stop with bill collectors, three days after filing bankruptcy I noticed that the phone stopped ringing consistently. I now sleep at night waking up well rested with a peace of mind!!!

Anyone in dept, that can’t seem to find there way out, should just make the call…I did, and it was the best decision that I’ve made in a very long time.

CALL ATTORNEY BALBUS TODAY!!! LET HIM FIGHT YOUR FINANCIAL BATTLE FOR YOU, HE WILL SEE YOU ALL THE WAY THROUGH. YOU TOO CAN BE DEBT FREE!!!”

“Thank you so much for everything. From that first meeting and throughout the whole process you were great to work with.”

“Four years ago I became unexpectedly involved in a frivolous law suit filed out of state against my company and me personally. As I was facing the embarrassing Unthinkable, Mr. Balbus’ advice, focus and guidance were invaluable to understand and act upon the best course of action. He is incredibly well organized, efficient and his fees were a fraction of engagement proposals I had received from other attorneys.”

“Nobody ever thinks they will declare bankruptcy, but if your circumstances are such that you must then the best and intelligent decision you can make is to go  with an experience and knowledgeable lawyer. He will make the process understandable as well as always having “you” as his main priority!”