I approach my clients with compassion for the cards they have been dealt by life.  Anyone can find himself in financial difficulties these days.   I have over three decades of experience in representing people and small businesses in financial distress. Because I have a broad experience encompassing bankruptcy, debt settlement, and foreclosure defense, I can guide you through the complexities of your rights and options, arriving at the most effective course of action for your particular circumstances. I have extensive experience in Chapter 13, in which you can have up to 5 years to cure a mortgage default, while also working for a loan modification. I run my own small business, so I am sensitive to the pressures of the self-employed.  If you are approaching retirement saddled with student loan debt, please come talk to me about discharging it. If you are a family farmer or fisherman, you need to know there is a special bankruptcy chapter designed to help you keep your assets and continue operating through dry spells and rough waters! Please do not use your retirement funds or take another loan on your house to deal with your debts until you have talked with me. I'd like to help you move forward to a new peace of mind. You will receive your legal services directly from me - you will not be assigned to less experienced staff, as you might be in a larger firm. Call me today, or email my office for an appointment.  I look forward to talking with you!