My wife and I were in seious debt. Our income went only allowed us to pay our debts but we didn't have any money left over to pay for the essentials such as food, gas, etc...It was a really frustrating and sad situation. We explored our options and looked at everything from counseling to debt settlem...ent programs. However monthly payments would turn out to be more than what we could afford. We found Mr. James Schwitalla and from the moment we walked in to his office he made us feel comfortable, explained the whole process to us and told us exactly what to expect. Thier we're never any hidden suprises and a couple of months later we filled for Chapter 13. We are now able to repay some of our debts through Chapter 13 and at the same time save a little bit of money without having to depend on credit at all. We are lucky and blessed to have met Mr. Schwitalla and his staff. We really don't know what we would've done with out his assistance. Filling BK is not and easy process. But knowing the Mr. Schwitalla is thier during, before and after the fact supporting you and answering any questions you may have makes the whole process less frightning. Thank you once again for all your help and support.

Filing for Banckrupcy is never easy. My wife and I were treated with respect and dignity, the office staff was very sensitive to my wife medical condition, thus acomodating for brakes everytime necessary. Mr. Schwatalla was clear in his statements, without room for doubts and with firm grip on the ...law. Very reassuring experience.