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Like me, you may have a loss of income, Maybe your overtime was cut out, or perhaps you even lost your job. Maybe you’ve had a medical problem, and the bills more than you can pay, Perhaps you’ve been through a divorce – that’s always a financial disaster. I understand these problems because I had all of them. All at the same time. Here’s what happened…

Back in early 90’s I was a general practice attorney, helping people solve their legal problems when, as they say, life came at me. In less than a year’s time, I went through a difficult divorce, fell off my roof and broke my back, which resulted in horrendous medical bills that I couldn’t pay. I had no insurance and no income. I couldn’t work – I was flat on my back and broke. I lived on borrowed money, even paid my mortgage with a mastercard. And when I couldn’t make the payments anymore, they sued me. I was sued by attorneys I knew. I knew they never worked with my clients, and they didn’t work with me either. No wonder I don’t hang out with lawyers! They’re not my type.

Eventually, I was able to get back to work and earn a living. But by then the bills were too much. I just couldn’t pay them. And I didn’t pay them. You know, I’m not proud of the fact that I didn’t pay those bills. But I’m not ashamed of it either. I just couldn’t pay them. I did what I had to do. That experience changed my life, and my law practice, forever. I felt the pain, the frustration and feeling of helplessness that you can only really understand if you actually live through it. I get it.

So I know how you feel when you come to me with more bills than you can handle. I was there too. That’s why I’m here now. That’s why I closed my general practice and dedicated my life to helping others get through their financial disasters. I really understand how you feel when “life comes at you” and no matter how hard you try, or how badly you want to pay the bills, it’s just impossible. And I know that there’s more to life than money. But when there’s not enough money to make ends meet it destroys your life. You can’t feel good about yourself when you know you’re not paying your bills, and even though you’re doing all you can - it’s just not enough. I felt like a failure. Like I had done something wrong. I felt I was letting myself and everyone else down. It took time, but later I understood that it really wasn’t that way. I just felt so bad. I believed it. But it wasn’t true.I want you to know that if you feel this way too, it’s not true for you, either. We don’t cause most of what happens to us in life. We simply need to do the best we can. If you have the kind of serious financial stress that brings people to me, I understand how you feel. And I can help.

I’m not just a board certified bankruptcy specialist – I know bankruptcy’s not the answer for everyone. I’m also a certified credit counselor, a certified debt arbitrator, and a certified student loan counselor. I know all the options, and how they compare, so I can show you the solution that’s best for you. And, I also know that once I fix your debt problem – the work isn’t finished – you still need help to rebuild your credit. When I finally got through my debt disaster, I looked around for a program to help me rebuild my credit, which was totally destroyed. I couldn’t find one. So, I created one. I’ll share it with you. Over the years I’ve helped thousands to not only overcome their debt problems, but also to rebuild their credit, just like I did for myself. Experience it a true teacher.

What I went through I wouldn’t wish on anyone. But because I’ve been through it, I understand what you may be going through, and how you feel, better than anyone else. It’s why I do what I do. It’s why I created this website – to answer your questions, and help you find solutions to your problems. If you’re suffering from difficult debt problems, I’m glad you’re here. Things get better here.