I am a solo attorney and provide personalized, individual service to my clients. No talking to a junior associate or paralegal here! I've been practicing law for 35 years, and bankruptcy law for 13 years. I have successfully obtained bankruptcy discharge of debts for many hundreds of clients. But don't just take my word for it - anyone can say whatever they want on their website - check my Google Business Page and see my many satisfied clients' 5-star reviews! David P Gardner
Unlike most bankruptcy attorneys I had to go through a bankruptcy myself during the real estate bust of 2008, so I know exactly how difficult, stressful, and emotional the experience can be. I take great care and as much time as my clients request to explain the entire process as well as details of what needs to be done. I am dedicated to providing you help in language that you can understand. If you don't feel like you understand your options, procedures or any other aspect of the bankruptcy process just tell me, and find an explanation that works for you.
It might sound corny or hard to believe, but I got into the practice of law because I wanted to help people. Real people who worry and feel pain and loss and want to take care of their families. NOT corporations or insurance companies.
My law heroes have always been those lawyers who represent the underdog against the powers that be, like Clarence Darrow, Gerry Spence, and the civil rights lawyers of the 1960's and 70's. It gives me great satisfaction to wipe out my clients' overwhelming debt and give them and their families a fresh start. "Sticking it to the Man" (credit card companies, evil banks like Wells Fargo, Chase, Citi and B of A, debt collecting sharks, etc.) is bonus!
The first step is for us to meet, go over the details of your unique situation, and explore your options. I will explain the laws and how they apply to your situation, and lay out all your options.
My initial consultation is always free, no matter how long it takes. We work together to come up with a plan that will get you the results you need. And I am always willing to meet evenings after work or on weekends, and even come to your home if necessary, so that you don't have to miss work or hire a babysitter. How many others have you ever heard of who make house calls?
Don't wait! Things only get worse, and the longer you wait the fewer options you may have. In particular NEVER use money from your retirement accounts to pay debts! It makes no sense to pay some evil bank or lender charging loan shark rates (25% - 30% and up - in the case of some payday and title loans as ridiculously high as 300% - 400%!) and suffer the tax consequences of early distributions, when you can keep all of your retirement money and kill your debts for a fee that is a tiny fraction of your debts.
Contact me for a free phone or in-person consultation. Let me help you figure out your best next steps. The sooner you have a plan of action the better your chances of achieving the results you want.