John Arthur Sholar

The decision to file for bankruptcy is not easy, John was there to answer all our questions thoroughly and in a timely matter. John is professional and knowledgeable, he has a way of defining the language of the law for those not familiar in that field to understand. I even had questions after our ca...se was finished and he returned my messages and answered all my questions. I could not imagine going through this process with anyone else.

Filing for bankruptcy was a very difficult thing for me to do.I was very stressed. The minute I walked into his office,he put me at ease,did not make me feel like I was worthless,because I was filing for bankruptcy .That was very important to me, but he also was very professional,explaining every thi...ng to me. I felt like ,when I went to court, that I was properly prepared. When I had a question or problem outside the office visits he answered promptly and was very helpful. I am so glad I chose him.

At the lowest point, of my lifetime of 60 years, the IRS was going to come in and garnish 100% of my income! I have an established agency, of 31 years, and getting close to thinking about my retirement! A nasty divorce got me behind in my payments to the US Treasury, and I had been 'communicating' w...ith them, on my intentions to repay my debt, and how I was going to do it. With no income, there would be no way for me to keep my business operating! I was desperate for some advice! I went to see John, and he directed me in such a manner, that I never missed a 'payday' and was able to keep up with ALL of my bills, except my home mortgage. Since I was wanting to downsize my residence, and my mortgage was more than the homes value, I decided to file the Chapter 13, to reorganize my debts (with the exception of my property). That was almost two years ago, so in another 3 years or so, I should be virtually debt free! I can get a fresh start on my retirement years, and still keep my 'head up' with some sense of pride! (The home was the first/only debt, that I 'created' but was unable to 'complete'). This was a humbling experience to me, but John made me feel absolved, from 14 years of worry-and trying to keep all of my creditors happy! Mark B.