A BIGTHANKYOUTOSTEVEANDHISSTAFF for all his help in assisting us with our situation. He walked us through the process, explained everything to us so that we understood where we stand in the BK process. I had found a new job and thought we were going to be okay but then my husband was laid off because of the economy and everything became a burden. None of the creditors at the time would work with me to settle out and then they sent us to collections and there it was unbelievable the collectors can buyout your creditors for pennies on the dollar but the creditors want the entire amount from the consumer. By the time it all went to collections, we were behind in our mortgage, utilities, etc., and then I was laid off. Steve Wolvek explained everything to us making sure we understood the process. I would recommend anyone who needs assistance in the area of bankruptcy. A burden has been lifted.