When I stopped answering my phone and the only mail I was receiving was a reminder of collection I knew I had a problem and I couldn't see how I was going to fix it. My first meeting with Mr. Calvert was just to see if he had any good ideas on how I could recover on my own. He was very kind, but to the point. Times are tough, jobs are hard to come by and even if I worked 100+ hours a week I would not be able to pay off this debt in 15 years. I did meet with a couple of the other attorneys in town, but they didn't seem to have the extra thing that Calvert law office has, frank honesty. The other law offices told me what I wanted to hear in the moment, knowing they were going to have to do something else later, but would sell that to me when the time came. As much as I wanted to hear what they were saying and believe it. I also wanted to know the cold hard facts of my situation and how I could fix it and make sure it never happens again. That is what I found working with Sam Calvert. He had a plan, he had the skills and he sincerely wanted to help me through the bankruptcy process. Throughout the experience I felt well informed, comfortable with the decisions being made and well represented. I trusted him and his staff to take good care of me every step of the way. Since my bankruptcy I have continued to have Mr. Calvert represent and assist me in other legal matters. I have recommend him to friends, clients and associates who have found themselves in deep financial crisis and in need of some of the best legal advice in town.