After spending many sleepless nights worried about approaching deadlines and payments I finally resolved to explore my options. Bankruptcy is that word that you use regarding other less fortunate folks, certainly not for people like me, we were raised to pay our debt and stand by our word. To say I agonized does not do verbal justice to the torment of those nights. I shopped google for 5-star reviews and came upon Neil, Stu and their staff. My first impression was these are decent and honorable men. Their concern for doing right not just by me but even to include my creditors was clear from the start. They could protect my interests and my assets and more importantly my dignity. You walk in and the sea is stormy, and your ship is rocked, and you walk away, and the sea is stilled. Amazing really! God Bless them and Keep them. The only more difficult thing I have done is divorce and I never loved those lawyers. You cant make this decision lightly, but if circumstances demand it, these are your guys. I could not offer a higher recommendation and the staff is excellent, friendly and caring. Mike