Anne-Marie L. Bowen

I was fortunate to have met Anne-Marie several years ago when the real estate bubble burst and I was upside down on my home and some credit card debt. She was patient, compassionate, understanding and willing to work with us from the first meeting. I appreciated her stepping in when I got behind on... my monthly payments, she quickly guided me to a solution and helped me get back on track; she never hesitated to answer questions and be of service. It helped me to get through a difficult time in my life knowing I had someone like Anne-Marie "watching my back!"

My husband and I hired Ms. Bowen to take care of our bankruptcy and she made what was a horrible situation somewhat painless. She was wonderful the whole way through. She took care of everything in an extremely professional manner and was great to talk to. She was always available to us and a...lways explained everything in a clear understandable way. We highly recommend her if you find yourself needing a bankruptcy lawyer.

Who is ready for a 25% pay cut in less then a year when you already were struggling financially. I was there. When you come to the realization that bankruptcy is your only option like I did, you ask for recommendations. I asked lawyer friends and those I knew had gone through it. AnneMarie Bowen ...was the one recommended as the top choice by everyone I asked. The first consultation was scary for me. She reviewed my situation, gave me some stern comments regarding how I got to this point and what the process would be if a hired her as my attorney. I didn't jump onboard at first I was overwhelmed. When I did, she explained in detail every step and how to approach it down to filling out the forms to applying for harp for my mortgage. Every piece of paper I got from the court or a creditor came with an explanation from AnneMarie or a separate correspondence from her if not a phone call. When I called as aspects of my job situation changed and had questions how it would effect my bankruptcy, she always got back to me quickly with all the information. Sounds like what you should expect but a friend who entered bankruptcy shortly after me, didn't have the same experience and had to ask her attorney at almost every step. AnneMarie took the time to explain what to expect during every step from paperwork to the hearing before the judge and given my situation what to consider. She makes the process just that, a legal process that due to your financial situation whatever it is, you have to go through in order to move on and get back to financial security. I'm done and moving on. If ever asked for a recommendation, as long as she is practicing, she will be my recommendation.

I recently encountered a situation regarding an old debt that I had co-signed for a 'friend'. I hadn't had any contact with my friend for a number of years, and assumed that the matter had been discharged. To my horror, I was suddenly receiving phone calls from the bank that had made the loan, and di...scovered that my friend had actually defaulted on the loan. The bank was demanding a lot of money. I am retired, and living on Social Security, and the thought of having to suddenly pay a large sum, was simply devastating. I found Ms. Bowen's website, and read the reviews, and decided to contact her. In our first meeting, I knew this was the attorney for me. She was understanding, and sympathetic; but at the same time, she didn't try to "sugar-coat" anything. She told me exactly what my liability was, and suggested that I try to negotiate a deal. Having never had to deal with anything like this, I requested, and she agreed to represent me to the bank. They were not easy to deal with, but Ms. Bowen kept after them, and negotiated a settlement that I could live with. She also ensured that the matter was permanently settled, and the bank couldn't come back later, and claim that I owed more money. I can now put this unfortunate incident behind me, thanks to a wonderful attorney. I would not hesitate to give Ms. Bowen my highest recommendation as a caring, professional, knowledgeable, and effective attorney.