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

I would like to recommend Bill Cumming. I’ve had the good fortune to refer my business clients to Bill over the last 5 years. He has provided such exemplary service to each referral and has become my “Go to” business legal expert. Bill has served my clients in each of his 3 areas of expertise: bus...iness law, litigation, and bankruptcy. In each and every case, my clients have praised his knowledge, sharp mind, and single minded performance on their behalf. Beyond the law, Bill cares about his clients, their specific needs, and the best strategy to meet them. He is honest, knows his stuff, and cool as cucumber in a fight. I trust him. If you require big firm legal horsepower and expertise, but want a personal touch, you can’t go wrong working with Bill Cumming. Bill is a legal professional you can depend on.

I've known Bill for several years and have always highly recommended him but I most recently got to see him in action on my personal bankruptcy case. He was super patient to answer all my questions during the investigative phase when I was trying to determine if bankruptcy was an option for me. He wa...s very knowledgeable and provided me with all the information I needed without any added pressure or persuasion. Once I hired Bill, he moved extremely quickly in getting my case together to successfully avoid foreclosure on my home. He and his staff are all very dedicated and professional and it made getting all the paperwork together so much smoother! I felt such a sense of relief with him on my side, and it honestly made the process so simple with literally no stress. I would highly recommend Bill to anyone considering bankruptcy. He was available whenever I needed him, even at inopportune times, to make sure we met the required deadlines and submitted all the proper and accurate information. Trust me, you want Bill on your side in any legal matters concerning bankruptcy, corporate/business issues or litigation. Bill Cumming is the most honest and upstanding attorney I've ever had the pleasure of knowing.

Mr. Cumming was very informative as to bankruptcy proceedings. Everything he said would happen, did happen. He was very prompt in returning all of my calls and emails during this process. I really appreciated his knowledge and expertise along with a refined personal touch. I would highly recommend h...im to anyone looking for legal services!