CLIENT NAME:

     ROBERT

TYPE OF CASE:

     Chapter 13

RESULTS ACHIEVED:

• Lowered monthly payments by $1,905 per month.
  
• Got rid of $97,513 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.

HERE IS WHAT THE CLIENT SAID:

• Why did you file bankruptcy?
  
  "I was in charge of all the debt after a divorce and I was overwhelmed even with Consumer Credit Counseling. I was not able to get it under control."

• What if you had not filed?
  
  "I don't know. It was the last thing I wanted to do. I had no choice. I would have lost my house."

• How did filing bankruptcy help you and your family?
  
  "I was able to keep my house. I feel like it was looked upon more favorably because it was a Chapter 13. It was an effort on my part to do something. "

• Would you recommend bankruptcy for someone else?
  
  "I mean, if they had resolved every other means. It was a last option for me. It is obviously an option, if there is nothing else. Ultimately, it took all the pressure off my back by everyone calling all the time. I was able to go on with my life. I do not feel like I cheated the creditors out of anything. "

• Would you recommend the Law Offices of John T. Orcutt?
  
  "Yeah, I would. I felt the process was simple and I have referred someone to John and they went through with a Chapter 7. It was a good process. Everyone was easy to talk to and they kept me informed. "