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

It gives me great pleasure to supply this commendation for a man of great wisdom and insight, Mr. Bill Cumming, our attorney who successfully defended our case. I was impressed by his services. He took time to explain legal terminology and methods employed in our case using speech that gave us clari...ty and understanding. His listening ear is one of his many hallmarks. Mr. Cumming took great care to manifest the road ahead of us and the direction and delays which might confront our course. The case against us was cruel and overwhelming, and stretched over many years. We received first class treatment, always professional and courteous. We also sensed compassion and empathy in just the right amounts. During the long route, Mr. Cumming, in his tireless approach, showed himself to be a strong defender, encouraging us along the way as our case took some turns. Mr. Cumming was skillful, sharp and accurate. Our defender never lost his cool under fire. His task and preparation was entire and thorough. I was impressed to note the late or early hours of his communications. In summary, I am certain that no better services of legal defense could exceed the work of Mr. Cumming. My observations are that he is brilliant and has great insight. We are so very thankful for his efforts and work on our behalf.

I was approached by my primary multi billion $ supplier to purchase my company. I was sure I could negotiate the deal myself and use a local Minnesota attorney for the details. After my first phone conversation I realized I was hopelessly out of my league. I was put in contact with a consultant I ...had worked with previously and he suggested I include Bill Cumming of Cumming and Associates as my attorney. What a home run that turned out to be. My stress level initially was off the charts when I saw the scope of the due diligence required to close the sale. Obviously, Bill handled the legal portions. He proactively told me not to be overly concerned about my legal record keeping because he knew most small business owners didn't have time to keep track of all the details and he could help me with that. The peace of mind that gave me was tremendously comforting. Bill didn't make me feel embarrassed that I didn't always do a good job keeping my corporate minutes up to date while trying to run my company. The finished due diligence product he delivered was well received by the purchaser even though Bill pushed back on some of their proposals. I struggle with legalese and was pleased with the attention to detail Bill paid, to my benefit. All in all, what would have been one of the most difficult experiences of my business life turned out to be remarkably smooth thanks to Bill's efficiency, demeanor and sense of humor.

Recently, I was faced with the prospect of trying to sell the business I had owned and managed for 35 years to a Fortune 500 company. Having never negotiated such a complex process, I (wisely) decided to enlist the services of a reputable consultant, and his first recommendation was that I should hir...e a stellar attorney--one with solid experience, integrity, and careful attention to detail. Fortunately for me, he suggested I contact Bill Cumming. In retrospect, I can say that hiring Mr. Cumming was one of the best business decisions I've ever made. He is honest, affable, knowledgeable, accessible, and very efficient. Over the following 12 weeks, he handled all the legal complexities of our negotiations, making certain my interests were protected at every turn, and at the end of the process, produced a very favorable outcome. (He also refunded the unused portion of his initial retainer fee!) Needless to say, Bill Cumming has earned my undying respect and gratitude. I can recommend him and his staff without reservation.

Bill worked with our organization to navigate a successful conclusion with a difficult business issue that had remained unresolved for over a year. He listens carefully, offers wise courses of action aimed at resolution and works to bring parties together with minimal conflict. I enthusiastically r...ecommend Bill!