Malcolm Ruthven

Malcolm Ruthven was my attorney for a recent Chapter 7 bankruptcy, caused by a serious acute illness(I'm 75 and usually in great physical shape, but, by the time my illness had passed, bankruptcy was my only rational choice). Malcolm handled my whole case with consummate professionality, Incredible documentary preparation, ease of communication, and, I think, extra understanding of older guys like me. I highly recommend Malcolm's legal services to anyone in financial difficulty.

We had a wonderful experience with Malcolm Ruthven! We couldn't have been more pleased! From the very first interaction via email to the complimentary call that he offered us, we felt a warm easy connection. He is the kind of man you want on the other line when discussing the stressful and embarrassing topic of not being able to keep up with your bills and debt. My mom and sister and I had a complimentary call with him to explore my mom's options after having 2 aneurysms and a stroke and not being able to pay off her debts. He felt like a deeply caring family friend who listened with great empathy and understanding. He let us speak and explain all that we wanted to share with him, and we didn't feel pressured to keep it quick. There was absolutely no sense of rush or that the clock was ticking. He spent an entire hour on the phone with us listening, asking good questions, explaining the law and what we could expect if my mom filed for bankruptcy, and much to our delight ​ gave us great advice on how to proceed without charging us a penny or pressuring us to hire him. When we asked how much it would cost to hire him​, he was very upfront​ about what his fees are and what it would cost to file for bankruptcy. Malcolm said he'd be happy to hold our hand through ​the process if we chose to go down that path, but recommend that we save ourselves the money by offering up a potential free solution. He generously provided us with a form letter that he'd written and used with other clients. He explained that we could use it to send it to the creditors explaining that my mom was a senior, and was disabled due to her aneurysms and stroke and that she would not be able to pay her debts. Did I mention that he gave us this letter GRATIS!! An hour long call and a solution at absolutely no cost to us!! Never in my wildest dreams would I have expected this. We not only felt the generosity of Malcolm's time and expertise ​but also felt the generosity of his heart! We are so grateful to him!! We will not need to hire him after all ​because he provided us with a great solution that will cost us nothing. But if my mom were to have to file for bankruptcy we'd absolutely be going to Malcolm! He is great!! Thank you, Malcolm,​ for your kindness and being so giving of your time and heart and expertise!

I have a S-Corp that I wanted to keep, a divorce that needed to be navigated, and a lot of debt that was ruining my life. Malcolm was calm, always knew the right move, and worked we me through all the hurdles. I was busy, but he managed to stay with me through the process. So happy that I worked with Malcolm.

Malcolm did a wonderful Job for me. I was very stressed undergoing the financial upheaval I was in and he helped me tremendously calm down and assured that the process would go well and it did, seamlessly. I am grateful I found him. His professional expertise is certainly one to be commended.

Mr. Ruthven was always gave me quick responses and answered my questions thoroughly and knowledgeably. He made it as easy as possible. Had to only meet once before the court date. Most everything was done via email which made it very convenient. Everything went off without a hitch. Highly recommend Malcolm Ruthven.

Malcolm knows his business and made the process less scary and painful. I highly recommend him!

I handed Mr. Ruthven an impossible case that I had messed up acting pro per. Not only was the case difficult , I am as well. You might want to call me a Tazmanian Devil with a good heart ;). I chose Malcolm for the reason he looked kind and honest. What I did not expect was his knowledge of Bankruptcy Law was so astute that I quickly learned I was handed a gift by retaining him. He worked so hard on my impossible case and he was able to not only get the results I so needed but he also got better results that I thought possible. I highly recommend this amazing man. I will forever be grateful for all he did for me. he literally saved my life.

I highly recommend Mr. Ruthven to anyone that has to go through this unfortunate situation. He's extremely knowledgable and quick to respond. You always work with him and not an assistant and he treats all your questions, big or small, with respect and importance. You'll never feel alone in this process and Mr. Ruthven will be by your side 100% of the way. I can't say enough good things about this guy, he is truly a wonderful person and lawyer.

If you're in trouble financially, and think you might need to file bankruptcy, call Malcolm Ruthven as soon as possible. Don't do anything until you speak with him. For example, I thought I needed to put my car in someone else's name. Malcolm advised me that I should not have done that. That piece of advice, of itself, saved me enormous hassles. Anyway, we just closed my bankruptcy case. Malcolm was just fantastic to work with. He is an expert. But more important to me, he is patient, thorough, kind and very quick to respond to all emails and calls. A genteman from another time. Filing bankruptcy is not an easy process to go through, but he made it as easy as possible. There are not enough stars to convey my deep gratitude. He is as honest as the day is long, and just a kind man who knows what he is doing. Don't look further. Just call or email him.

As soon as I met Malcolm Ruthven for the initial consultation, I was confident he would be the right choice to handle my Chapter 7 bankruptcy. After retaining him, Mr. Ruthven did indeed prove to be an excellent attorney. Although my case had some complex issues, he made the process as smooth and worry-free as possible. In addition to his legal expertise, Malcolm's optimistic attitude for achieving a Fresh Start was always appreciated and reassuring to me. Mr. Ruthven’s communications skills are a particular strength. I have rarely found a person in any profession, who is so diligent and extraordinarily prompt in responding to questions and concerns. His patience and continued dedication to my case, in what turned out to be a lengthy period prior to filing, were a great comfort. At every milestone in the process, I always knew Malcolm was representing my best interests. I received the discharge and final decree from the court exactly as I had hoped. Mr. Ruthven deserves the highest level of trust and praise. I would not hesitate to retain Malcolm for other legal services, and to recommend him to friends and associates.

I couldn't have chosen a better bankruptcy attorney! Malcolm shepherded me through a process which I expected to be stressful and emotional with consummate professionalism and sensitivity. In addition to guiding me through bankruptcy with skill borne of long experience, he helped me in dealing with feelings of shame and the stigma inherent in having to declare personal bankruptcy. I simply could not recommend Malcolm and his services more highly.

Mr. Malcolm Ruthven saved our family's financial status. We had been through the financial wringer and were given a "Fresh Start" by Malcolm Ruthven. I would recommend Mr. Ruthven for ALL bankruptcy needs. He upholds a professional and yet empathetic demeanor. He is precise and extremely thorough. We have peace of mind again.....thanks to Malcolm Ruthven.

Malcolm Ruthven was recommended to me by a Bankruptcy Clinic in Marin County. Although it took many months to gather all the information needed to file for bankruptcy, he was extremely patient and encouraging. Even when he had not heard from me in months, he allowed me to refer creditors to him, which stopped the phone calls and threatening letters. He made the entire process far easier with his professionalism and understanding. I now feel I have a new start after extremely trying circumstances.

My wife and I had hit rock bottom. Our credit was ruined, our debt nearly $1 million and we were more than a year behind on every credit card and loan payment. Collection agencies were calling every day. We had been in survival mode for way too long and needed a solution. Considering bankruptcy was a tough choice for us but we had no alternative. I recall my first conversation with Malcolm. He took a cold call from me, yet spent about hour (at no charge) explaining the process and totally put me at ease that I was in good hands. I liked and trusted him instantly. I've worked with attorneys before and the stereotype is usually true. They're expensive, unresponsive and just don't care. You’re just a case number. Not Malcolm. When it came time to fill out paperwork I had numerous questions, which Malcolm answered promptly over email -- even on a Friday evening and over weekends. I was impressed. He was consistent in his level of service, continuing to provide guidance and expertise promptly throughout the whole process. My wife and I truly enjoyed working with Malcolm. He sent us emails reminding us of deadlines and things we needed to do, such as complete credit counseling, and he was on time to and prepared for every meeting. We always felt as though he truly cared about our case and about us. And to our surprise he even mailed us a book about famous people who had filed bankruptcy. That book truly gave us a good perspective and made us feel good about our decision and our future. I highly recommend Malcolm to anyone who wants a thoughtful, responsive and genuine attorney. I feel as though he gave my wife and I our lives back, and we are beginning to live again. Thank you, Malcolm.

Mr. Ruthven helped me through a very emotionally difficult Chapter 7 Bankruptcy. He was knowledgeable, thorough, patient and kind. Although difficult at times,(collecting the paperwork) the process went smoothly, and with Mr. Ruthven's expertise he was able to explain things clearly. His rates were very reasonable (I checked around) and worth every penney. I highly recommed his services.