I can not thank Mr. Michael Cibik, and during this last year his associate Mr. Mike Assad, enough for all the compassion and understanding they have shown me during this very stressful & embarrassing time in my life. They have been with me every step of the way, even during Covid when I had to adjus...t my monthly payments. Mr. Cibik and Mr. Assad are very kind men and are both a credit to their profession. Mr. Cibik has never been judgemental or made me feel that this was my fault and I shouldn't be in this position. He gave me the best legal advice and guided me through the legal maze of Chap. 13 bankruptcy. I believe that without Mr. Cibik & his entire law office, I might still be paying the "debt consolidation" fraudsters that I was paying when I met him. Thank you so very much for your knowledge and compassion. Anyone facing bankruptcy should contact Mr. Cibik, and his associate Mr. Assad. With their help, you can face the music with a positive attitude, that they will be there for you and not make you feel any shame. I am so very grateful to have that gorilla off my back.