100,000+ businesses use Trustindex to easily collect and display Google reviews. I felt better, but the process was long and arduous. Mr. Kent and his staff patiently detailed my chapter, defining everything line by line and how it influenced my strategy. I must say that they were so thorough; I feel like I could probably be a good paralegal in this area after going through this process. I never left Mr. Kent`s office with an unanswered question that gave me the level of comfort I certainly needed in this situation. After realizing that my spending was out of control, I was forced to make decisions that would dramatically impact my life now and for the foreseeable future. I did a lot of research on law firms and bankruptcy lawyers and limited my selection to one Mr.

Howard Kent. I had no idea how to deal with bankruptcy and I was really desperate about the reality of what was to come. I was constantly afraid that my creditors would take my house or sell my belongings. It was hell. I would like to take this opportunity to thank you for your service and wish you a Merry Christmas. I would like to share our experience of living after the bankruptcy, which was very successful. We will forward your question to Kent Collins Law Firm`s customer service team, who will respond within 24 hours! We first rejected 8.12.09 and since then I have erased my credit reports from all three credit bureaus. All debts are now reported as settled in Chapter 7. Our two credit scores range from 640 to 660 on all three credit reports. I`m sure I`ll hear from them later, but if we stay in the current house for the next 2 years until we can qualify for a mortgage again, we`ll be fine. I will continue to make the 1st and 2nd mortgage payments on time and see how Bank of America responds. All three mortgages belong to Bank of America and they can leave us alone while we make the 1st and 2nd mortgage payments on time.

We have accumulated over $6,000 in cash reserves since the bankruptcy. This was possible because we had no monthly payments of debts other than the mortgage. I was physically ill after talking to the credit counsellor. I never thought I would ever be in this situation. I had a very happy work history and I was always well paid. My life and budget were focused on goals based on the salary I was used to. But that has changed. I think my situation is similar to that of many Americans, that due to a series of events and circumstances, you find yourself in a spiral state that leaves you with no choice but to ask for help. I am 44 years old and have been working since I was 15. I was released in January 2007 and couldn`t find a good job all year. During this time, I had two health events that required hospitalization. I had no insurance after my Cobra expired.

I couldn`t afford the high premium because I was living off my little nest egg that I had saved. Staying at home seemed more important to me at the time. Secondly, we just sold our business and received a significant amount of money from the sale. Because we are debt-free, we will have a positive net worth for the first time in our lives. We will be very careful about money and use it wisely. I did not exercise the lease option, which expires on 2/2010, so a buyer signed a brand new lease, so our names completely disappeared after 2/2010. Finally, we made a 1st and 2nd mortgage payment on time, but we have not paid a 3rd mortgage (HELOC) since 5/2009 and we have not heard from Bank of America. They only called twice right after release, and I told them that the loan was included in Chapter 7 and that they had just taken note of it. Once again, your company saved our family from the financial tsunami and your company was our anticipated Christmas present.

If you ever need me as a reference or help in any way, feel free to let me know. I owe you so much. How many businesses can say they only have 5 stars on Yelp? I went from $120,000 a year to about $15,000. Needless to say, the bills piled up and went to a point of no return. I started with a credit counselling service and after going through the process, I was advised to consult with a bankruptcy lawyer to explore my options. Third, I just got approved for a new car loan of up to $12,000 with an 8.5% interest rate offer from Capital One. We will voluntarily abandon the leased Toyota van, which has excess mileage and body damage. Our monthly payment will always be less than $300 as we will make a deposit on the vehicle. I`ve worked very hard all my life to get good credit. I have never missed a payment on an invoice. I always made sure to make my payments before the due date.

Until two years ago. Because of the economy, I had to take a job in another state. I tried very hard to keep track of my bills. However, since I had to pay rent in another state and a mortgage in another, it became very difficult to keep up. For almost a year, I borrowed money from Realativen to make up the difference between what I was doing and my bills. I contacted all the credit card companies and mortgage holders to let them help me keep my home and good credit, which I had worked very hard for. Unfortunately, none of them offered help. After realizing it was impossible for me to keep up, I decided to do some research and came across Mr. Kent`s website.

I contacted several lawyers and in the end, he was the only one I felt comfortable with. I made an appointment for a consultation. From day one, I felt comfortable with him. He never tried to tell me what was good for me. Instead, it informed me of my options and allowed me to make a decision for myself. Bankruptcy was the last thing I cared about. However, it became clear that this was my only option. At that point, I knew I wanted Mr. Kent to represent me. He has always been there for me from day one to the last and after.

I hope no one will have to go bankrupt, but if you do, I do not think you will get better service and personal attention than with Mr. Kent. My insolvency is now over. I am now about to get my credit back. The outcome of my case always fascinates me. I could not have asked or even imagined a better outcome in my situation. I owe it to Mr. Kent and his staff for helping me get my life back on track. My experience with Kent`s lawyers was more like a partnership, rather than a typical attorney-client relationship.