I had built up $45,000+ of credit card debt since 2010 and decided it was time to look into declaring bankruptcy as an option to clean the slate and get out from under an enormous amount of stress. I started my search for bankruptcy lawyers on Yelp, as I trust that site when any business has enough reviews to balance out the outliers that are just always angry or fake reviews by friends of the business. Adam came up in my search with a good number of stellar reviews, and after reading a couple of them that provided enough detail to know that they were legitimate, something occurred to me. Who writes a review of a bankruptcy lawyer on Yelp? Yelp is a social networking platform where everyone is connected to their friends and family, and declaring bankruptcy is usually something people aren’t advertising. What that told me was that Adam must be a very solid guy, because people were willing to post their unflattering financial situation to the general public to support him because of how happy they were with his services. (Something I certainly don’t have the guts to do, so kudos to all of them.) That turned out to be exactly the case.
My experience working with Adam through my bankruptcy left nothing to be desired. Not only is he professional, knowledgeable, and efficient, he’s just a quality human being that made me feel totally comfortable throughout the whole process. I had visions in my head of the judgement I’d have to deal with, spilling all the details of my financial mistakes, but within 5 minutes of our first meeting, those notions were totally dispelled and he made me feel like we were on the same team and simply had a job to get done. By the second meeting, we found ourselves discussing things totally unrelated to my bankruptcy, because he’s just the kind of quality person that genuinely wants to connect with people and help them get to a better place overall.
Adam was always available and responsive to questions outside of our scheduled meetings through email and phone. I had an issue with my car loan through my credit union that required extra strategizing that was outside of the normal bankruptcy process, and Adam agreed to help with communications with my credit union that didn’t fall under the normal umbrella of his flat rate fee, and he didn’t charge me extra.
Most important, we made a deal, and he stuck to it. Everything he described would happen in our first meeting, before I gave him the check and committed to the process, was exactly what transpired over the course of the bankruptcy. Of course, I was lucky that no extraneous events occurred, as banks can choose to sue you in the 90 day waiting period, etc, and that would have necessitated extra legal fees, but everything was laid out clearly in the contract and I was aware of any extra expenses that might occur should something like that come up.
The final result of my bankruptcy is that I’m 100% debt free and I couldn’t be more happy with my decision. I was lucky that all of my debt was “dischargeable”, mostly credit cards and 2 uncollateralized loans, but I can’t express enough how relieving it is to wipe the slate clean and get to start from ground level instead of digging myself out of a hole for the next 10 years.
I recommend Adam without reservation.
Also, if you happen to be in a similar situation I was, with just a huge amount of credit card debt, I HIGHLY recommend bankruptcy. The debt is just gone. It vanished. And now all I have to do is actually live within my means, which I should have been doing in the first place. And it’s my little smirking nod to the banks that got a bailout with our tax money, when they almost wrecked the global economy by being reckless and gambling with our home mortgages, that I just got a bailout from them. ;-)