CLIENT NAMES:

     JAMES & KELLY

TYPE OF CASE:

     Chapter 13

RESULTS ACHIEVED:

• Lowered monthly payments by $842 per month.
  
• Got rid of $63,828 in debt....debt that will never have to be paid back.
  
• Got rid of ALL the interest that would have accrued on that debt.
  
• Were able to keep all property they owned.
  
• Stopped threatened repossession of vehicle 2 months behind.

HERE IS WHAT THE CLIENT SAID:

• Why did you file bankruptcy?
  
  "We were getting further and further in debt and we were borrowing from one company to pay another, just to stay current."
  
  
• What if you had not filed?
  
  "Well, I think we would not have been able to buy a house or car, or anything like that."
  
  
• How did filing bankruptcy help you and your family?
  
  "We bought a home after renting with our son for 2 years, and we bought new vehicles."
  
  
• Would you recommend bankruptcy for someone else?
  
  "Yes sir I would, if someone can't pay bills, I would. Life goes on."
  
  
• Would you recommend the Law Offices of John T. Orcutt?
  
  "I have sent 4 or 5 people so far."