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 was referred to Bill from a close friend that I trust.The lien on my home was from an old Discover card debt that I didn't realize was there until I tried to refinance my home. I was not sure if it would be possible to remove the lien because the court documents had been destroyed due to age of cas...e. Bill and his team were able to convince the Discover card attorney that this lien should not be there. Bill and his team handled everything including going to recorders office and filing the documents to remove the lien. Not only was he successful but he also did this work for a much lower amount than the flat rate we agreed upon. I highly recommend William Cumming and his team for your legal needs.

Bill Cumming represented us when a creditor on our bankruptcy sued us and refused to sign off on the bankruptcy. He succeeded in getting a settlement which allowed a dismissal of the law suit and they signed off on the bankruptcy. We are more than happy with the results and recommend him highl...y.

Mr Cumming gave us excellent advice and persuaded us to settle our debt, rather than face bankruptcy court. His phase one/phase two approach opened up a line of communication between us and the plaintiffs attorney. We were then allowed to offer a settlement amount that was affordable to us. Mr Cummin...g kept us completely informed every step of the way by forwarding every correspondence to us via e-mail. His professional courtesy is second to none. He responded to our questions in a timely manner and always offered to help with anything that he could. We gained peace of mind by hiring Bill Cumming. From the start to the finish he and his staff did a superb job. We would enlist their services again in a heartbeat. Thank You again for all of your help. Sincerely, Doreen

After a much unexpected hardship, I found myself completely upside down. A friend recommended Bill Cummings. After meeting with him, I knew I found the right place to get the help I needed to unravel my financial dilemma. If I can sum it up quickly, I can honestly say that Bill and Cummings a...nd Associates "Walk on Water". There thoroughness, kindness, expertise and complete understanding completely helped turned my life around. I thank him from the bottom of my heart!!