I always thought that I would never be faced with bankruptcy as an option until I noticed I was paying creditors more than what I was making. I was behind with rent & my utility bills. A good friend told me to speak to Mr. Gross, who was able to do a preliminary financial assessment which revealed I was a good candidate for filing Chapter 7 Bankruptcy. Mr. Gross and his staff were able to guide me through the process and a few months later it was all over. Now I am up to date with my bills and the best part is that I was able to keep one of my credit cards.