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"

I purchased my home (duplex) through an attorney back in the housing peak of 07. The attorney sold me the idea that he was "protecting me". A year later I found out that I over paid for my house by at least $50,000 and I never had a proper U&O done on my property. Needless to say, I bought a money pi...t and I was upside down. About a year ago, I asked that attorney about my options of bankruptcy and he said " bankruptcy is never a good idea for anyone". In 2008, I hired another attorney to help me evict a tenant who was not paying their rent and on heroin. Although that attorney did his job, he spent more time selling me on the idea that I should hire him as my rental manager to prevent my situation from happening again. Although he helped me evict my tenant for $1500, all he did is file a $90 piece of paper at the courthouse and show up to the hearing. I never re-couped my losses of over $4500 and when I told him I did not want him as my manager, he through an unprofessional hissy fit. In the past couple years, I dumped over $70,000 into my house to get it up to par and over $30,000 was borrowed. In 2012 I was laid off from work and quickly fell behind on bills and my credit went to the toilet. I put off taking care of it for about a year and consulted my first attorney who told me bankruptcy was a "bad idea". Inevitably, the time to do something about it was coming due and I hesitantly started looking for someone who could help me. My wife found Scott Waterman on the internet and we consulted with him. Although I knew nothing about him, except for his good reviews, I was happy with the way he conducted business. When we met with him, he was very professional and not judgemental to our situation at all. He didn't try to smooth talk us or even make promises. He explained our situation honestly, gave us options, and guided us. He was about business which was refreshing due to our previous experiences. He even told us he couldn't promise the outcome but felt very strongly he could get the job done as his past experiences have showed him. He is very knowledgeable of the system and how to protect you. This month the chapter 13 plan that Scott put together was approved by the court and we are on our way out of this crushing debt. In the end, Scott helped us knock $40,000 off of our mortgage plus interest. He also helped us knock out $30,000 worth of credit debt for a total of $70,000 plus long term interest. I feel like the weight of the world has been taken off my shoulders and I can breathe again. We are forever grateful. I would definitely hire Scott again and recommend him to anyone who can relate to my situation. Scott helped us fight back in a time where the people are constantly losing and the banks are constantly winning. He is the people's attorney.