I wanted to file bankruptcy, just didn't know how and when to file it. I wish I had seen Mr. Reed a year before I actually made my appointment with him. It would have saved me a lot of money and headache...I was nervous and not sure what to do which is why I waited so long to seek assistance. Don't wait, you can meet with him for a consultation even if you aren't ready to file...at least you will know your options and your meeting is totally confidential!!