Month to month, I was at my wits end, robbing Peter to pay Paul, trying to pay out money that was just not there. Like so many people I was totally stressed. I was suffering from financial hardship, due to job loss, a failed business that never really got off the ground, and facing foreclosure of my home and the loss of a second property.

Through a good friend I was directed to the Bankruptcy and Real Estate Law Offices of Chang & Carlin, LLP. Once I decided to make an appointment to sit down and talk to them, I realized bankruptcy was not as painful as some people may think.

Chang & Carlin, LLP are very affordable. Working closely with Attorneys John Carlin and Marina Ricci, I was taken through an easy step by step process. Other than me doing a little bit of homework, they basically did everything for me. They are very proficient and attentive to detail. In my case, I was not aware that there was even a remote possibility that my student loans were even dischargeable (that was huge!!!).

They were always very pleasant and prompt in answering any questions I had; and I had quite a few. That was such a stress relief for me. Even now, after going through the process, they let me know if I need anything, to let them know.

I am so very pleased and highly recommend the Law offices of Chang & Carlin, LLP. With their help, I have a brand new start.

T.V.H., Park Forest IL (Sleeping Better at Night)