Scott F. Waterman

Our chance of staying in our house seems fading as days goes by, we went through modification once and has to have one the second time, we went to counselor to counselors but all of them says, there's no chance for us, their best advised was to file bankruptcy. The last counselor handed us a list ...of lawyers that my wife started to call and the only office that answer was Scott by himself, immediately my wife felt a good impression of Scott professionalism. We came to his office, as was advised earlier by counselors we did previously seen was to file bankruptcy, but when we met him we did express our desire if we could had a 2nd loan modification, and to our surprise, he said "I can't promise you anything but Yes we can do that and if it won't work then we could do bankruptcy" that tells us that his knowledge is enormous. We did proceed with the modification and along the process he guided us, call us in his office if need be, he is on top of our case, after few months, we received a letter from the servicer of our loan telling us that "we were dis-approved in our loan modification". After few days Scott called us to appear in his office, our minds tells us that, this is it he gonna tell us the bad news, honestly we don't know what happen or what he did, when he sees us in his office , he has this big bright smile, pulled up a bunch of documents from his cabinet and with that bright big smile lean forward on us and said" Congratulations your loan modification for the 2nd time got approved". My wife almost jumped with much happiness, we so relieved and very grateful and thankful of him. I will not blink and never hesitate to recommend him, he's a true help in time of need, "Scott is the Man"

Scott was referred to me by a relative who is a partner in a large firm. She told me to trust Scott, and it was the smartest decision I could have made. He is both thorough and extremely professional. I remember leaving our first meeting feeling like an incredible weight was lifted off my shoulde...rs. Scott explained to me what would happen throughout the case, and everything went exactly as he said it would go. Every time I had a question for him, he got back to me right away and always made me feel like I was valued. I don't know what I would have done without his professional guidance. Going through a bankruptcy is such a stressful experience, and having the right lawyer is critically important. I feel like I have gotten my life back, and I have Scott to thank for it.

Scott has made my journey through the bankruptcy process a breeze. From start to finish all of my questions were answered in a way that I would understand them. He also made himself available to my schedule if I needed to speak or meet with him. I am very grateful and satisfied with the outcome and I... cannot thank him enough for helping me through this process.

My wife and I reached the point where we couldn't manage credit card debt that had grown to severe amounts. Although people had recommended considering bankruptcy in the past, we were hesitant because of both the stigma and worrying about all the complications and ramifications. Fortunately a colle...ague of mine recommended Scott. From the first meeting he made sure to put us at ease, and then guided us through the process so we understood all the decisions to be made. He advised us on things we would want to do in order to manage life after bankruptcy. Due to a change in income during the process which reduced our ability to repay a portion of our debt to nill, Scott changed the filing from Chapter 13 to Chapter 7. Even though this meant a part of his compensation would get eliminated in the Chapter 7 he did the changes without any hesitation and guided us through the process. His demeanor was always calm and professional, and he was able to keep us informed of what was happening and what each next step would be. Our bankruptcy was approved, it was quick and was not at all traumatic as we originally had thought it would be. We are very grateful.

Scott Waterman put me at ease the moment I walked in to his office...dealing with a very difficult and emotional time. He was most knowledgeable, and informed me as to what to expect, and he was "right-on". Mr. Waterman was always accessable and answered all of my questions...as repetitive as some m...ight have been. I wish I had seen him earlier!!