Ryan Cullen Wood

My once low interest rate payment on my credit card spiraled out of control; they started charging over 22% interest monthly on my cards. I tried and tried to make all the payments until I realized this is an uphill battle that is getting worse each month. I reached the point that I did not have enou...gh money monthly to pay them now. I called my creditors asked them if they could lower the interest rate back to the 6.99% or lower than what it is currently; explained that I was struggling to make the payments at this time; all I heard was No we cannot do that. I must say I was so worried about the thought of filing bankruptcy. I was scared and I felt bad to have to do this to my creditors but they were not willing to work with me. I then decided to research bankruptcy attorneys. I called a few some had a recording asking me to leave a message, during my search online I came across The Law Offices of Lin & Wood they have an office in Redwood City and in Fremont. I live in Hayward so the Fremont office worked for me. I then went on the Better Business Bureau website to see if they were an Accredited Business, if they had any complaints filed against them as well as to see the rating giving to the by the Better Business Bureau. I was thrilled to see they were Accredited and holds an A+ rating; I felt good knowing this information. I guess my biggest concern was if I was going to file I needed to feel comfortable with the law firm that would walk me through this huge endeavor I was about to undertake financially. I was confident with their rating I located the best firm I could in the east bay. On my first attempt of calling Mr. Ryan Wood answered the phone; I explained my situation and the urgency to get this started. He listened without interrupting me, when I stopped he started providing me with the needed information. He also squeezed me into his schedule the same day I was truly impressed. I met with him he explained everything in a way that was easy for me to understand what was going to happen step by step. I retained him that day; he instructed me in gathering all my debt and credit card balances and turn them into him as well as some monthly expenses paperwork I would need to turn in to assist him in determining what type of bankruptcy would be best for me chapter 13 or chapter 7. I have to admit Mr. Ryan wood told me the honest truth; each step happened just like he said they would. I am pleased to say I now live comfortably without worrying how am I going to pay my bills any longer and I do not have any creditors sending me letters or calling my phone or work. He does allow you some time I believe it was 60 days to pay the full down; he explained the case would be on hold not being worked until they received the full down payment. I decided I needed to pay this now to get the ball rolling even if I had to borrow it; I didn't want any wage garnishments to start? I did pay it in full within a day; three months later I met him at the courthouse in Oakland; shortly following the court appearance my bankruptcy case was done. Thanks to Mr. Ryan Wood I am now living a stress-free life. He is truly the best and has a vast amount of experience in bankruptcy law!! You're in good hands if you retain him. I hope this review helps calm your nerves; I know how nervous I was at the beginning stages. Good luck to you!