Even though we were nearly $100,000 in debt, bankruptcy never even seemed like an option for us. However, based on the suggestion from our financial planner, we decided to set up a meeting with Michael Scholtes just to understand the option. That meeting changed our lives. Michael encouraged us to take the emotion out of the decision and look at bankruptcy as a smart choice to get our family finances back on track. He answered all of our questions and provided us with the information we needed to realize that bankruptcy was a legitimate option for us. We had worked out a plan for paying back our debt, but it felt like we would never get out from under it. Taking the steps to find out if we qualified was simple with Michael's guidance, and once we did decide to file, Michael supported us every step of the way. The process took time and attention to pull everything together, but it was all worth it. We now wake up every day feeling so fortunate to have met Michael and to be debt free!
--100% of debt discharged
Thank you Michael! We struggled for two years to remain in good standing with our creditors, while believing any form of debt relief meant failure. Waiting until the last possible moment to investigate the possibility of bankruptcy, hoping to avoid the stigma of financial failure. Postponing the inevitable brought on greater stress until the struggle was no longer tolerable.
After spending a couple of weekends learning about the process of bankruptcy it was clear that finding a good attorney was the first step. After our first meeting with Michael Scholtes much of the stress was gone. He spent a lot of time listening to our situation, answering questions, and offering a plan for moving forward. This was a turning point, for the first time we could see a clear path to a new beginning. This was a step we should have considered months before.
From the time we committed to filing, until the process was complete, Michael supplied a lot of hand holding. His email responses were always very fast, always offering clarity without making us feel inadequate. He was easy to trust and his knowledge provided a seamless path through the legal process from beginning to end.
We're confident that our future will be both stable and productive with the freedom provided by this new beginning.
--100% debt discharged
[On learning of his discharge] Wow...I am speechless...I have to say it is going to take a few days for this to sink in...I am beyond grateful to you...
--100% debt discharged
I was an IT contractor. When I could no longer find work, I tried a debt consolidation company. [They] promised to manage and pay my bills. After I paid them $3000 they only paid one bill, $386. The bill collectors kept calling and sending collection letters because they hadn't gotten paid. Debt consolidation companies are only there to help themselves to your money. After much frustration I decided to file bankruptcy. Now I feel much better and do not have to worry about losing my home. I appreciate the attorneys at Scholtes & Fong for their guidance and support.
--100% debt discharged
Por parte de mi madre, me gustaria tomar esta oportunidad para expresar cuan agradecidos estamos por el trabajo impresionante que nos ha brindado la empresa Scholtes Y Fong. La ayuda y consejos legales de Michael Scholtes fueron de altisima calidad. Su sincera atencion y preocupacion en cuanto nuestro asunto legal nos servio de consuelo muy necesitado para nuestra madre durante este tiempo dificil. Sentimos muy afortunados que el senor Scholtes haya sido nuestro abogado. Muchisimas gracias.
On behalf of my mother, I would like to take this opportunity to express how grateful and unprecedentedly impressed we are with the Scholtes & Fong Law Firm. Michael Scholtes' assistance and legal advice were suberb. His heartfelt attention and concern regarding our legal matter served as much needed reassurance for our mother during this difficult time. We are so grateful that Mr. Scholtes awas are attorney. Thank you so much.
--a client from San Jose,CA
We are a semi-retired couple who were having trouble making ends meet. Our investments tanked and we've been supplementing our income with credit cards while we wait for the economy to rebound. We were thinking about dipping into our IRAs when we consulted with Scholtes & Fong to investigate our alternatives. We learned that our IRAs are completely protected in bankruptcy and if we had consumed our IRAs we would have needlessly jeopardized our future security and thrown our money away.
You saved our house. Thank you.
I spent thousands of dollars with a debt counseling service trying to get my credit card balances reduced. They kept all the money I paid them as their fees and did nothing to reduce my debt. I'm glad I finally saw the light and decided to file bankruptcy.
After we evaluated my case, I learned that my credit score will dramatically improve after my bankruptcy is discharged.
The attorneys at Scholtes & Fong carefully explained the bankruptcy process to me. They were straightforward and understanding. I concluded it was the best outcome for me without the consequences that I feared.
The first attorney i went to just wanted to know if I could pay the fee. Michael listened to me and treated me with respect. I felt he carefully evaluated my circumstances and helped me come up with the right solution.