Experienced attorney with extensive experience in consumer credit law, bankruptcy law, loss mitigation, credit counseling, business management, development and sales.  Over 24-year career, represented thousands of individuals and several small corporations in bankruptcy proceedings, as well as adversary trials.  Able to assist clients in avoiding bankruptcy, restore their credit reports, and if necessary, represent them in litigation against consumer credit reporting agencies and various creditors for violations of consumer protection laws.  Experienced in representing corporations as well as individuals in arbitration and settlement of business-to-business lawsuits.  Representation of individuals in short sales, loan modifications, loan workouts & restructuring, forbearance, foreclosure defense, counterclaims and predatory lending issues, Chapter 7, Chapter 13 and even individual Chapter 11 proceedings which can be effective in restructuring mortgage loans.