I meet Mr. Ruff back in June 2004. I was going through a very hard time and was scared about my future. After meeting with Mr. Ruff he was able to assistance me in filing for Chapter 7 bankruptcy. He was extremely professional and compassionate at that time. Now 9 years later I ran my credit report a...nd found that one of the creditors did not remove me due to my bankruptcy. I call Mr. Ruff and explained what I had found on my credit report. I meet with me that same day and pull up all my discharges paperwork and explain to me my next step and getting my credit clear. I am for ever thankful for Mr. Ruff and his staff