For 20 years I was borrowing from one credit card to pay another, any extra money I received went to my bills. My mortgage company would not allow me to refinance because my debt had climbed so high. I was so worried I could not sleep at nights. Now that I have filed Bankruptcy with Geraci Law, I ...can breathe easier. Thank you to Frank Hernandez, David Lugardo, and Lizette Villegas for helping me through this process