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!

I owned a manufacturing firm and ultimately had to shut it down and go through Chapter 7 with it. I then had to go through personal Chapter 7. David helped me through both. This was a very difficult thing for me to go through. David never made me feel wrong. More so he was supportive through the... process. The whole thing was rather daunting but he spent the time explaining what I needed and now it is all behind me.

I went to Mr Lloyd after debating a very long time about filing Chap 7. He took his time, let me ask as many questions as I wanted and explained to me what happens after I file and what to expect. He also made me feel reassured about his expertise as well as what I could expect from him during this... process. His staff was also always very helpful and answered my questions quickly. Mr Lloyd met me at court, talked me thru what would happen and made this difficult time very, very easy.

We were recommended to David Lloyd by a close family friend. After a job loss in our family, our income declined and we were unable to pay our bills and were in danger of foreclosure. David met with us, calmed our fears and took the time to explain everything we needed to know about bankruptcy. We... definitely were able to see light at the end of the tunnel after meeting with David. David continues to work through our bankruptcy with us (we are at the beginning of the progress) and makes sure that we are well informed as to the case progress. David goes above and beyond by addressing each and every question and concern that we have regarding the bankruptcy. David's staff is phenomenal and always receptive to our needs. I highly recommend David Lloyd.

David P. Lloyd provided assistance to both my husband and I following being served with a deficiency judgement for an astronomical amount, we were in despair after consulting with several attorneys who were unable to assist us. Mr. Lloyd took the time and reviewed our documents, answered all of our q...uestions and provided both insight and clarity about our case. David is extremely knowledgeable about bankruptcy, and the foreclosure process , it was due to this wisdom that he was able to give us both a peace of mind as well as superior representation. I thank God for sending us to David he exudes patience, professionalism and super ceded our expectations. I've been in law enforcement for 25 years and it's truly refreshing to find an highly skilled law professional with such passion and zest for law. I highly recommend the services of David P. Lloyd for all of your bankruptcy and foreclosure needs.