CLIENT NAME:

     SUSAN

TYPE OF CASE:

     Chapter 7

RESULTS ACHIEVED:

• Lowered monthly payments by $968 per month, plus a mortgage payment of $811 per month.
  
• Got rid of $26,433 in debt....debt that will never have to be paid back.
  
• Got rid of ALL the interest that would have accrued on that debt.
  
• Got rid of a Social Security overpayment debt of $8,543.
  
• Got out from under a house she could no longer afford and a projected mortgage deficiency of about $20,000.
  
• Was able to keep all other property she owned.

HERE IS WHAT THE CLIENT SAID:

• Why did you file bankruptcy?
  
  "Because I owed everybody and his brother, I had no choice. I couldn't breathe anymore and I had a lot of medical problems. I got terminal cancer."
  
  
• What if you had not filed?
  
  "I would still be scratching, I guess. I don't know what would have happened. I was robbing Peter to pay Paul."
  
  
• How did filing bankruptcy help you and your family?
  
  "I don't know how to put it in words. I don't know how to tell you. I was working 3 jobs, 1 full-time and 2 part-time. (Afterward), I quit one of those jobs. It gave me free time. It was a blessing."
  
  
• Would you recommend bankruptcy for someone else?
  
  "It depends on the circumstances. If I could have combined my payments to one that I could pay, I would have done that, but I couldn't. I was spending 600 to 700 dollars a month on medicine. If you do not have a choice, you don't have a choice. Had I not filed bankruptcy, I would have thrown my hands up and just quit. It was a 'damned if I do' and 'damned if I don't' situation. I wouldn't be where I am today, without filing. I am taking chemotherapy now. It was a godsend. Its all I can say."
  
  
• Would you recommend the Law Offices of John T. Orcutt?
  
  "Yes, sir, and I have done that. I certainly did. There we just as nice as they could be. They didn't make me feel like an itsy-bitsy pea in a pod. They were always nice to me."