David P Lloyd

I rarely write online reviews for a number of reasons, but I feel compelled to share my experience. With the current state of the economy, more and more people might find themselves in financial hardtimes. This being said, there is hope for you if you use the legal system to resolve your issues. T...here is a negative stigma surrounding the bankruptcy process, but most don’t understand that its your constitutional right not to end up in “debtors prison”. This is why the bankruptcy code exists, to prevent a type of indentured servitude to creditors for the rest of your life. If you find yourself feeling trapped with no options out, then pursing this path could be your quickest way to a fresh start. Anyone that is reading this is more than likely backed into a financial corner in some capacity. My situation was very complicated and involved a multi-million dollar business that I had signed personal guarantees on a large business loan. As an entrepreneur, you never think that your business can fail, but sometimes outside circumstances put you in a position that is inescapable. In early 2019, I found myself in this situation, and honestly didn’t have a way forward without numerous lawsuits and hefty debt repayments for my business debt. After looking at nearly all options, I was referred to Mr. Lloyd who was very straight forward, and recommended that I file both a business and personal Chapter 7. After mulling over the options, I was left with little choice but to file, and I can say that the process can be brutal at times, but everything that Mr. Lloyd told me eventually came to fruition. Its truly a deeply emotional thing when you have to close a business that you’ve had for over a decade, but the advice that Mr. Lloyd gave me was exactly what was needed for me to gain a fresh start and a new footing debt free. Working closely with Mr. Lloyd, and Tammy (who is like the glue that holds the office together), I received a discharge of my personal debt, was able to keep all of my belongings (including my house), and wipe the slate clean of all lingering business liabilities. The only unfortunate aspect was that I had a client (that came from a family of attorneys) that decided to pursue an adversary proceeding against my personal Chapter 7. Being that they were attorneys, it was obvious that the cost of going to trial wasn't an issue since they wouldn’t have to pay legal fees. Upon learning that the adversary proceeding was moving forward, I again retained Mr. Lloyd to represent me for the trial. After an exhaustive process with the opposing party (which bordered on being frivolous on their end) we prevailed on all counts with respect to the adversary proceeding. When Mr. Lloyd called to tell me that we prevailed, I was almost in disbelief, and couldn’t be more thankful that I worked with David through the whole process. Make no mistake, I think that going bankrupt should be a once in a lifetime last resort, but if you need to go this route, then Mr. Lloyd is the Attorney that can get you through the process as smoothly as possible. For me, this was almost a two year process, but I now have zero debt, and can move forward with the rest of my life free of the burden of the business debt. I highly recommend Mr. Lloyd, and just know that you aren't trapped, and if you have a relatively simple case, this is usually a straightforward process. There is light at the end of the tunnel!

Dealing with legal issues is almost always loaded with mystery, anxiety and stress issues. Attorney David Lloyd and his total support staff, which included a paralegal, administrative assistant and an additional support attorney, were all genuinely responsive and sincerely concerned about my questio...ns and concerns. Regardless of which member of the team I was dealing with, each responded with clear answers, taking much of the mystery out of what was happening and what I could expect to happen. ... David Lloyd and his support attorney, with no feeling of rushing, sat with me, discussing my situation with, I am sure, partially the intent of calming my anxiety and giving me a sense of who they were as caring people even though knowledgeable professionals. Even when there was confusion on my part they would patiently re-explain things that had already been covered...The paralegal that was always available by phone, email or in person was one of the most helpful and sincere people I have known. ...If I could design a legal team that knows how to reduce stress it would be exactly like David Lloyd's office team. Everyone, including David Lloyd, would stop whatever they were doing and focus on my immediate questions or needs even if I did not have an appointment. The way they each responded to me communicated to me that they cared for me and that their legal practice was more than just a business...I hope I do not need their particular service again but I have ask them, because I trust them, for referrals to other attorneys for my own business clients with different legal needs...I recommend David P Lloyd and his legal team without any reservations.