Kevin J. Bambury

My husband and I went in because the payment of 1414.00 with CCCS was to high hoping a bankruptcy would help. Kevin reviewed our paperwork he advised us chapter 13 would be about 900.00 a month knowing Bob had worked overtime the first 3 months of the yr he stated the payment could be SLIGHTLY HIGHE...R we should wait about 4 mths and my husb should not work the overtime the courts look at the last 6 months of bank statements. So with knowing this we gave him a retainer of $1000 only to to find out that the payment went up to 867/2 wks the courts go back a yr. We would never had gone this way knowing that the payment is only a few dollars lower, we would have seekked other options. He also told us to stop paying the credit cards, keep the car payment and mortgages current. Now we are not only behind in payments that we would have tried to make arrangements for with Bobs overtime we atre out the retainer fee.