William Reid Cumming

My husband and I are self-employed architects; we made most of our income from buying, renovating and selling houses in Virginia. In 2022 we had our first child. Lost income from clients who could no longer pay, plummeting real-estate values and a non-existent job market for architects left us with ...virtually no income for four years. We used our credit cards and savings, my 401k, sold our home at a huge loss, all with the idea that the market had to pick up soon and we would then be able to pay off our debts without filing for bankruptcy. We were terrified of bankruptcy because we depended on being able to get a mortgage to finance home purchases and renovations, our main source of income. In retrospect not filing was a mistake, the market never recovered in time for us and we accumulated a massive amount of credit card debt which we could not pay, somewhere around $50-60,000. Much of this has been charged off or we negotiated settlements; however we have two judgements, Amex for $1136 and Chase for $8566, which I tried to settle, and a Citibank account that was bought by Asset Acceptance, original balance of $16,166 now pumped up to $26,340. I read about Pinnacle Credit Specialist on Quora and I didn’t hesitate to contact him, to my greatest surprise, all the debts were cleared completely including the charge offs and credit card debts. More so our credit score has increased to 809 and 801 respectively. All thanks to [email protected] the savior I met a few months ago. You can also reach him via signal: +1 (206) 970-5442 Cheers

My father and I hired Bill to assist us with updating some aspects of a corporation, and also with updating and straightening out as living trust. Bill was very helpful with both, go us to where we wanted to be. He is very straightforward, honest and his pricing is fair. I have already recommended hi...m to a couple of people and would absolutely do so again in the future. This type of work is about relationships, and having a mutual understanding that the end goal is the priority, and Bill made it easy to rest assured knowing we would get where we wanted to go, without any excess steps. 100% will return and use him again.

My team hired Bill to handle a complex business dispute involving a failed investment and misconduct by a managing member. From the very beginning, Bill stood out for his clarity, strategic thinking, and practical approach. He quickly understood the facts, helped us evaluate risk versus reward, and p...roposed a focused strategy designed to drive a fast and favorable resolution without unnecessary litigation costs. True to his word, he executed exactly as planned — preparing a strong demand backed by a ready-to-file complaint, applying pressure in the right way, and ultimately helping us reach a successful settlement. What I appreciated most was Bill's ability to balance aggressiveness with pragmatism. He was responsive, transparent about fees and timing, and always clear about our options at each step. The process felt controlled and intentional, not reactive. I would absolutely work with Bill again and would recommend him to anyone dealing with a business dispute, partnership fallout, or investment-related matter who wants a smart, disciplined advocate.