I contact Ray to handle two judgments that were pending due to the loss of business. One almost $12,000 and the other $9,000. Roy was able to get both of them down to be paying 40% less than what I owed and with very reasonable payments. I am so happy this is done and he did all the work for me. ...No court, no judgment and no creditor harassment. No constant calls or paperwork. Every time I ask for updates Ellen quickly provided it to me. The financial stress of losing all my money and business is great, but Ray's work helped eased some of the burden with help me move forward.