CLIENT NAMES:

     JEFF & JANE

TYPE OF CASE:

     Chapter 7

RESULTS ACHIEVED:

• Lowered monthly payments by $1,945 per month.
  
• Got rid of $74,944 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 still owned.
  
• Got rid of a vehicle repossession deficiency of $6,961.

HERE IS WHAT THE CLIENT SAID:

• Why did you file bankruptcy?
  
  "Because my husband was laid off after 23 years and we had bought an 18 wheeler. We got behind on it and it was repossessed."
  
• What if you had not filed?
  
  "We were being served papers from the sheriff's department. I really can't say. We were behind on everything."
  
• How did filing bankruptcy help you and your family?
  
  "It cleared up all of the debts we had and put us in a better position. It helped us out. We were really in a bind."
  
• Would you recommend bankruptcy for someone else?
  
  "Yes, I certainly would, if you can't pay bills or buy food and they (the creditors) are harassing you even on Sundays. Yes, I certainly would."
  
• Would you recommend the Law Offices of John T. Orcutt?
  
  "I definitely would. The personalities were great, and we felt great. I told John he has a wonderful staff."