Mr. Berges was referred to me by a family member. I was facing default and possible lawsuits. I knew from the initial consultation and conversation that we had, he was not a typical lawyer. It was very clear that he genuinely cared about me and my situation and once I made the decision to move forwar...d, I felt confident that I was going to be ok. Sure enough, all the crazy and annoying collection phone calls and letters immediately stopped. Within a few months, I would say 80% of my issues were already taken care of and there are only a few small things that are still being finalized. I am going to refer everyone that I know that can benefit from his help. I cannot thank Otto and his team enough! What a great way to start the new year!