Mr.Palmer has handled my Chapter 13 case very professionally.Unexpectedly,he contacted me to let me know there might be something he could do to lower my monthly payment do to a change in my financial situation.This is still pending,of course,until he presents his case in court later this month.I,however,have the utmost confidence in his abilities and I'm sure he will do everything he can to ensure an outcome that will make life a little easier on me.Also,whenever I have called with inquiries,he has always gotten back to me promptly.