Michael James Wink

So our situation was probably like many out there. Certain circumstances got us into a bad financial situation where we owed a boatload of money to multiple creditors (mainly credit card companies). However we also owed some large medical bills as well. It came to the point where we could not affo...rd to make our large car payment, our mortgage payment, childcare payment, living expenses, along with the ridiculously minimum payments to all of our creditors anymore. We had been making those crazy minimum payments and getting no where on paying down the debt! It was like shoveling snow into a shopping cart. We had to make a decision to let the cards or the house go past due until we figured something out. We were about 5 months in to letting many of the cards go into default before we met with Mike. I heard his ad on a local sports talk radio show. At the time I did not think we could do a bankruptcy and keep our property (cars and house). That was key we wanted to keep both but primarily we wanted to keep our house. I looked into getting another full time job to pay off the CC debt. In the end that did not work. Since we thought we'd have to liquidate house in a bankruptcy we were hesitant to go down that path. However once we realized selling the house was a real option we'd have to explore we decided to have a meeting with Mike just in case we had a shot at keeping it instead of selling it. So we set up a meeting with Mike and he was very up front and honest with us. He gave us all of our options including a non-bankruptcy option to settle with the credit card companies. But he did mention we could keep the house and cars in a Chapter 13. In the end we decided to go with a Chapter 13 plan. Everything took a while and we had to provide a lot of information. But we were very happy with the results so far! We got one of our cars crammed down, we actually got a newer car before we filed. I got a bonus this year and was able to keep it! I will have to turn those over for future years bonuses! All in all a very good experience, we are able to repay what we can through the plan and are happy for a fresh do over. It will take some diligence to stay on budget for our Chapter 13 plan but I know we can do it! Mike was great and either him, his wife Gigi, or staff was always there to answer all the questions I had no matter how trivial or how many of them I had.

We contacted Wink & Wink regarding our options and found Mike, Gigi and Colette were extremely easy to work with. They took a very thorough and detailed approach to understand our situation. With their council we were able to determine the best course of action for our situation. During the proces...s they showed great patience with the many many questions we had. Because of that approach we are confident we made the correct choice for us. The entire office was willing to extend hours for us in order to accommodate our work schedules and availability. I believe anyone can, and should, feel confident in retaining this firm.

My husband and I recently filed with Mike and Gigi from Wink and Wink. From the very beginning they were informative, helpful, honest and direct. Always quick to respond with and answer to emails or phone calls. They were found to be reassuring and thorough. Their office staff as well is more that... fantasic. We appreciate the help they gave us to get a new start.

Made me feel comfortable immediately, didn't judge or act superior to me. Had a good sense of humor and kept things relaxed. Although I know bankruptcy is a very serious subject, the husband and wife team of Wink and Wink make things less stressful throughout the entire process. I would recommend ...them to anyone struggling with the idea of bankruptcy. You don't feel "worthless" when you leave their office, you feel informed.

Michael and Gailyn were wonderful! Took a lot of the stress off our shoulders and provided us with excellent advice. So glad we found them to help us with our financial situation and ultimately to help us decide on which chapter for bankruptcy was the best fit for us. They were always well organized ...and very knowledgeable. They responded very quickly to any of our questions and concerns and were wonderful at handling all of our debtors so that we did not have to stress about any of it. They made the process so much easier knowing that we could trust them to handle it all. I would recommend them to anyone struggling with debt, foreclosure and possible bankruptcy issues.