Michelle Ann Labayen

When the private school I founded failed, Mrs. Labayen was able to sort through all the legal issues of closing the school and dealing with the creditors. She did all she could to keep me from losing my home as I had put it up for collateral. Being unemployed for 2.5 years she made the necessary st...eps to resolve the issues with school creditors so that I was able to keep my home and all other issues were resolved.

The situation with my company was very complex and I thought I would never see the light at the of the tunnel. Michelle, however, was very supportive and always reachable to me. She made the process smooth and helped me overcome my debt with her legal advice. I believe her expertise helped me get my ...life back!

I could not have had a better experience dealing with Michelle. She gave me all the possible options I needed to help alleviate my school debt. Her confidence and eagerness to assist my every need assuaged all my fears about being able to pay down my debt. We also discussed certain measures available... for me to refinance my student loans and cut down on the interest that these loans accrue. Now I feel it is most certainly possible to have a future free of student debt. Thanks again for your expertise and guidance on my journey to regain financial independence.

Michelle was a God send. I was recently divorced, recovering from Cancer and trying to save my home. I was at wits end, but she listened to me, through my tears and sniffles, and gave me hope. She discharged all of my debt in a chapter 7, got me a loan modification which reduced my interest from 6....0% to 2% and gave me a $1,000.00 for a settlement from a creditor that was harassing me. She is the real deal. She is hands on, does everything herself and will be there with you before, during and after the bankruptcy.