I solicited legal consultation regarding my financial options in July, 2011, because I had overpaid for my condo in 2005 and my Association was having serious cash-flow problems. I was never going to recover my losses and would continue losing a lot of money, and also lost my job in the financial cr...isis in '09. I looked in the yellow pages and had a few consultations and ultimately hired Bruce. I liked Bruce because he took his time and explained all the options in simple terms during a free consultation. I filed bankruptcy over a year ago and Bruce has guided me throughout the process. Bruce is always willing to take my phone call and provide advice, which is a part of the original fee, no additional cost. I have since referred two people to Bruce for consultation to assess their situation and make an informed decision. Bruce helped me make one of the best decisions of my life and a chance to start over and invest again in my future. I highly recommend Bruce because you will get both excellent advice and always feel comfortable to ask follow-up questions. In July '13 it will be two years since I first filed my bankruptcy / foreclosure and Bruce has been there to assist every step of the way.