Clinton Michael Davis

I had been convinced by another attorney that I needed to file a Chapter 13 bankruptcy. I went through with it, but then another friend of mine and I were talking and it got me wondering if I should have done a Chapter 7 and not been stuck with the payments for a Chapter 13. My friend gave me Mr. D...avis' number so I went to talk to him. It turned out that there was no good reason for me to do a Chapter 13 since I rent my home. Mr. Davis explained that I didn't need to lose my car or anything by filing Chapter 7, and it was a much faster process than the 13. He said that a discharge is a discharge, and there's no big advantage to paying a part of your debt through a Chapter 13 if you don't have anything to lose in a Chapter 7. So we converted my case from a 13 to a 7 and I'm very glad that I went to see him because getting a discharge in 4 months instead of in 5 years was a good change for me. I've been able to start rebuilding my credit a lot faster than I thought, too. I felt like he was really listening to what I needed and making sure I understood everything about my case. I hope I never have to file bankruptcy again, but if I did I'd go back to him.