I think I might have been one of Mr. Ruggiero's most "nervous" clients. Filing for bankruptcy was a very confusing and stressful process for me but he always answered my questions with a smile. He listened to me, kept me informed and explained everything to me in a way I completely understood. He ...was able to get back garnishments for me and really helped me to start this new and wonderful chapter of my life. I would highly recommend to all friends, family .. to anyone.