I consider myself a hard working, independent woman who has always taken pride in what I do and how I do it. After a 19 year marriage and 3 wonderful children later, I found myself in a place I never thought I would be...afraid, alone, and in serious debt. I didn't know what to do, and denial was definitely NOT working anymore. I was getting collection calls ALL the time, I was nervous and anxious ALL the time. I still had to keep things running as a single mother, but I literally felt like I was drowning and I was running out of money. I felt defeated and alone. I considered debt consolidation/counseling but even that seemed overwhelming. I stopped into a library one afternoon and happened to walk across a book dealing with bankruptcy. It was really the last thing I wanted to do. I figured I could at least talk to a lawyer, no harm in that. I knew Scott Kramer from a friend of mine. I decided to call him and set up a visit. I remember sitting across from him, just crying. "this isn't me", "I shouldn't be here", I'm not a bad person". Scott was amazing. He made me realize that EVERYBODY deserves a second chance...he was right! I took a deep breathe, stood up, shook his hand and started the filing process with him. The entire time Scott made me feel okay about what I was doing. He was absolutely the most professional, yet caring lawyer I had ever met or worked with. He kept me updated on the process, managed my expectations, answered all my crazy questions...he was great! Once the process was finished, I felt a HUGE sense of relief, it really did feel like a ton of bricks off my chest. The most incredible thing....I was even able to buy a house after only 2 years! I have heard others talk about their bankruptcy experience and it makes me cringe to hear what some of them went through. My experience was the best. I HIGHLY recommend Scott Kramer.