After agonizing for years and trying to avoid bankruptcy to get rid of credit card debt from two cards, someone referred me to Geraldine Kluska. The people in her office were helpful, patient, knowledgable, and available. They requested information from me a little at a time so it was not too overwhelming for me. I finally met Attorney Kluska when I went to the her office to sign papers. She and her staff put together a document that looked like a book. She spoke to me and prepared me for the hearing. The day of the hearing arrived and she arrived on time and was by my side while I answered some questions. It was relatively painless. I have always had outstanding credit so I felt sad that I needed to do this. I got no negative comments from anyone in her office through this whole process. When it was over, I felt relief after years of trying to stay above water. She is one fabulous lawyer who knows her stuff. I would recommend her without any hesitation.