In 2013, Tom immediately took action to stop the creditors from harassing me as soon as he took my chapter 7 bankruptcy. He answered all of my questions, of which I had many, and never made me feel belittled or ashamed for the position I was in. He was very organized and efficient, always returned my emails in a timely manner and was the most reasonably priced in town. Two years later, I received a letter from a creditor that was cleared under the bankruptcy, and I contacted Tom about it, and he immediately took care of it, the very SAME DAY! I recommend Tom without hesitation. He will make your financial life right again, with the dignity and respect you would hope to receive in this tough situation.