Janet C. Pederson

I recommend both Jan and Scott.....Even though my journey was long and I had many, many questions, both Jan and Scott gave me the answers and helped calm my anxiety. I highly recommend them and appreciate all they did for me. I had a lot of guilt and concern about not being able to pay back what ...I owed even though I had been trying ... The last straw was when all the creditors started raising all the interest rates and doubling the minimum monthly payments. A change in jobs, a decline in my son's and my own health with lots of medical expenses, along wtih other issues led me to finally pursue relief. I'm so glad MY FRIEND recommended Scott Lemke and Jan Pederson to me.........I'd recommend them to my friends, too. Now that my bankruptcy is finalized, I feel a huge weight of sadness, stress, and hopelessness all lifted away. I have a renewed spirit and plan to make better choices, not get into that situation again and I feel the information provided to me by my lawyers will give me the tools that will help me meet my goals. Thanks to Scott. Thanks to Jan. I am forever grateful!

I had gone through a divorce and job loss that left me with huge unsecured debts. I felt that I could never pay back what I owed to the creditors. My phone rang starting from 8am to 9pm with threats to take everything I have and perhaps to even go to jail. I am 50 year sold and prided myself on pay...ing what I owed and when I owed. But with such unexpected life changing events, the divorce and job loss, I took it personally and became very depressed and withdrawn. A good friend from church recommended that I contact Jan Pederson at Lemke & Pederson in McKinney. I was ashamed and scared when first I walked into her office. Jan Immediately empathized with my situation and made me feel that it wasn't really my fault... these things can happen no matter how hard you try and prepare for the worst. She assured me there is a solution and that I would benefit both financially and emotionally from. I could not afford her entire fee right away, but retained her services for $100. And the $100 was the best money I EVER spend. That retainer gave me the right to tell creditors when they call that I was filing for bankruptcy, my lawyers name is..., her phone number ..., and that I was told not to answer any question and they should now refrain from calling me. All the calls stopped within days! It took me a few months to save for the entire fee, but during that period, not one more call. The actual bankruptcy hearing was set quickly and the creditors meeting lasted about 5 minutes... and I was free from over $100,000 in debt for a fraction of that in fees. Jan and her entire staff are very personable and understands how emotional this is for someone. She will put you at ease! I have and will continue to recommend anyone to call her for assistance or advice.