10 Actual Clients 10 Life Changing Results Skip to main content

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10 Actual Clients 10 Life Changing Results

IMPORTANT NOTE: The cases listed in this section are illustrative of the matters handled by our law firm; the case results depend upon a variety of factors unique to each case; not all case results are provided; prior results do not guarantee a similar outcome.

You Deserve A Good Life! But...you can't pay all your bills, you're worried and your losing sleep.

So, what do you do? For over 30,000 of our clients...filing bankruptcy was the key to a "fresh start" and a "second chance". The truth is: "Others promise...but only bankruptcy delivers".

Don't take our word for it. Here are the actual results we got for 10 different families. Of course, the names have been changed to protect their privacy, but the results speak for themselves. Equally important, listen to what each client had to say.

HINT: "Click" on each client's name if you want to see more "in-depth" information about each client.


Thomas & Sally

Got rid of $42,781 in debt and lowered their monthly payments by $1,057 per month. Also got rid of ALL the interest that would have accrued on that debt. Were able to keep all the property they owned.

"IT HELPED A LOT.."

Client Name:Thomas & Sally

Type of Case:Chapter 7

Results Achieved:

Lowered monthly payments by $1,057 per month. Got rid of $42,781 in debt....debt that will never have to be paid back. Got rid of ALL the interest that would have accrued on that debt. Were able to keep all property they owned.

 

Here Is What The Client Said:

Why did you file bankruptcy?

"We were too far in debt and couldn't get out. It was due to personal issues and we got dragged into Court by the other couple."

 

What if you had not filed?

"We would have had to go to family members for support."

 

How did filing bankruptcy help you and your family?

"It helped a lot. Our arguing has quit. We have no pressure to pay our bills."

 

Would you recommend bankruptcy for someone else?

"Yes. To me, it relieved the burden of stress and if there's nothing you can do, then 'yes' "

 

Would you recommend the Law Offices of John T. Orcutt?

"Yes."

 

Susan

Got rid of $26,433 in debt and lowered her monthly payments by $968 per month. Also got rid of a Social Security overpayment debt of $8,543. Also got rid of ALL the interest that would have accrued on that debt. Got out from under a house she could no longer afford and a projected mortgage deficiency of about $20,000. Was able to keep all the other property.

"IT WAS A BLESSING."

Client Name:Susan

Type of Case:Chapter 7

Results Achieved:

Lowered monthly payments by $968 per month, plus a mortgage payment of $811 per month. Got rid of $26,433 in debt....debt that will never have to be paid back. Got rid of ALL the interest that would have accrued on that debt. Got rid of a Social Security overpayment debt of $8,543. Got out from under a house she could no longer afford and a projected mortgage deficiency of about $20,000. Was able to keep all other property she owned.

 

Here Is What The Client Said:

Why did you file bankruptcy?

"Because I owed everybody and his brother, I had no choice. I couldn't breathe anymore and I had a lot of medical problems. I got terminal cancer."

 

What if you had not filed?

"I would still be scratching, I guess. I don't know what would have happened. I was robbing Peter to pay Paul."

 

How did filing bankruptcy help you and your family?

"I don't know how to put it in words. I don't know how to tell you. I was working 3 jobs, 1 full-time and 2 part-time. (Afterward), I quit one of those jobs. It gave me free time. It was a blessing."

 

Would you recommend bankruptcy for someone else?

"It depends on the circumstances. If I could have combined my payments to one that I could pay, I would have done that, but I couldn't. I was spending 600 to 700 dollars a month on medicine. If you do not have a choice, you don't have a choice. Had I not filed bankruptcy, I would have thrown my hands up and just quit. It was a 'damned if I do' and 'damned if I don't' situation. I wouldn't be where I am today, without filing. I am taking chemotherapy now. It was a godsend. Its all I can say."

 

Would you recommend the Law Offices of John T. Orcutt?

"Yes, sir, and I have done that. I certainly did. There we just as nice as they could be. They didn't make me feel like an itsy-bitsy pea in a pod. They were always nice to me."

 

Steve

Got rid of $10,165 in debt and lowered his monthly payments by $418 per month. He also lowered the interest rate on about $33,188 of debt to about 3%. Was able to keep all the property he owned.

"I DIDN'T LOSE ANYTHING... "

Client Name:Steve

Type of Case:Chapter 13

Results Achieved:

Lowered monthly payments by $418 per month. Got rid of $10,165 in debt....debt that will never have to be paid back. Lowered to about 3% the interest rate on about $33,188 of debts. Was able to keep all property he owned.

 

Here Is What The Client Said:

Why did you file bankruptcy?

"I got into trouble due to medical bills."

 

What if you had not filed?

"Well, I don't know what would have happened once the creditors got through with me. I couldn't go to work or anywhere without the creditors calling."

 

How did filing bankruptcy help you and your family?

"Well, it helped me get the bills paid, without the harassment. I didn't lose anything as far as the things I went into debt with. "

 

Would you recommend bankruptcy for someone else?

"I would for the last choice. I would, definitely. "

 

Would you recommend the Law Offices of John T. Orcutt?

Yes, I would. Things went smoothly."

 

Robert

Got rid of $30,507 in debt and lowered his monthly payments by $439 per month. Also got rid of ALL the interest that would have accrued on that debt. Was able to keep all the property he owned.

"IT TOOK ALL THE PRESSURE OFF..."

Client Name:Robert

Type of Case:Chapter 13

Results Achieved:

Lowered monthly payments by $1,905 per month. Got rid of $97,513 in debt....debt that will never have to be paid back. Got rid of ALL the interest that would have accrued on that debt. Were able to keep all property they owned.

 

Here Is What The Client Said:

Why did you file bankruptcy?

"I was in charge of all the debt after a divorce and I was overwhelmed even with Consumer Credit Counseling. I was not able to get it under control."

 

What if you had not filed?

"I don't know. It was the last thing I wanted to do. I had no choice. I would have lost my house."

 

How did filing bankruptcy help you and your family?

"I was able to keep my house. I feel like it was looked upon more favorably because it was a Chapter 13. It was an effort on my part to do something. "

 

Would you recommend bankruptcy for someone else?

"I mean, if they had resolved every other means. It was a last option for me. It is obviously an option, if there is nothing else. Ultimately, it took all the pressure off my back by everyone calling all the time. I was able to go on with my life. I do not feel like I cheated the creditors out of anything. "

 

Would you recommend the Law Offices of John T. Orcutt?

"Yeah, I would. I felt the process was simple and I have referred someone to John and they went through with a Chapter 7. It was a good process. Everyone was easy to talk to and they kept me informed. "

 

Ralph & Karen

Got rid of $33,820 in debt and lowered their monthly payments by $1074 per month. Got rid of ALL the interest that would have accrued on that debt. Got rid of an unwanted and expensive timeshare on which they owed $8,459. Were able to keep all of their other property.

"OUR SITUATION IS A LOT BETTER. I AM GLAD WE DID WHAT WE DID!"

Client Name:Ralph & Karen

Type of Case:Chapter 7

Results Achieved:

Lowered monthly payments by $1074 per month. Got rid of $33,820 in debt....debt that will never have to be paid back. Got rid of ALL the interest that would have accrued on that debt. Got rid of an unwanted and expensive timeshare on which they owed $8,459. Were able to keep all the other property they owned.

 

Here Is What The Client Said:

Why did you file bankruptcy?

"At the time, my wife was pregnant and it was around the time of 9/11. She wasn't able to get a job, so we had one income and couldn't pay bills. We had the kids, my work was slack. It was a lose/lose situation. Phone calls from the creditors were terrible!"

 

What if you had not filed?

"We were trying to keep the house, and keep the lights on. It's hard to say. We would have lost everything possibly."

 

How did filing bankruptcy help you and your family?

"Our situation is a lot better. The baby is two years old now and my wife is working. We are paying all our bills and we have been trying to save money. We have been trying to save 3 months of bills.....In case something happens, we will be able to pay our bills. I am glad we did what we did!"

 

Would you recommend bankruptcy for someone else?

"If you have kids and can't pay bills...Yes."

 

Would you recommend the Law Offices of John T. Orcutt?

"Yeah...oh yes....most definitely. Everything went smoothly."

 

Nick & Lori

Got rid of $65,104 in debt and lowered their monthly payments by $1,356 per month. Also got rid of ALL the interest that would have accrued on that debt. Got rid of a substantial vehicle repossession claim. Were able to keep all property they owned.

"WE GOT OUT OF DEBT."

Client Name:Nick & Lori

Type of Case:Chapter 7

Results Achieved:

Lowered monthly payments by $1,356 per month. Got rid of $65,104 in debt....debt that will never have to be paid back. Got rid of ALL the interest that would have accrued on that debt. Got rid of a substantial vehicle repossession claim.

 

Here Is What The Client Said:

Why did you file bankruptcy?

"We had too much debt. It was stressful because of lots of phone calls."

 

What if you had not filed?

"We would have lost our house. We are still here."

 

How did filing bankruptcy help you and your family?

"It helped a lot. Instead of getting in deeper and deeper, we got out of debt."

 

Would you recommend bankruptcy for someone else?

"Your mind has to be right, but 'yes' "

 

Would you recommend the Law Offices of John T. Orcutt?

"Yes, definitely."

Jimmy & Deborah

Got rid of $58,163 in debt and lowered their monthly payments by $812 per month. Got rid of ALL the interest that would have accrued on that debt. Were able to keep all the property they owned.

"WE CAN BREATHE NOW. WE CAN PAY ALL OUR BILLS NOW."

Client Name:Jimmy & Deborah

Type of Case:Chapter 7

Results Achieved:

Lowered monthly payments by $812 per month. Got rid of $58,163 in debt....debt that will never have to be paid back. Got rid of ALL the interest that would have accrued on that debt. Were able to keep all property they owned.

 

Here Is What The Client Said:

Why did you file bankruptcy?

"We were in debt and could see no way out."

 

What if you had not filed?

"We probably would have lost everything, including our house and car."

 

How did filing bankruptcy help you and your family?

"It gave me great relief. I can breathe now. We can pay all our bills now."

 

Would you recommend bankruptcy for someone else?

"Yes, if they are in the predicament we were in...yes."

 

Would you recommend the Law Offices of John T. Orcutt?

"I sure would and if I need to do it again, I will go back to John."

Jeff & Jane

Got rid of $74,944 in debt and lowered their monthly payments by $1,945 per month. Got rid of ALL the interest that would have accrued on that debt. Were able to keep all the property they still owned.

"IT CLEARED UP ALL THE DEBTS..."

Client Name:Jeff & Jane

Type of Case:Chapter 7

Results Achieved:

Lowered monthly payments by $1,945 per month. Got rid of $74,944 in debt....debt that will never have to be paid back. Got rid of ALL the interest that would have accrued on that debt. Were able to keep all property they still owned. Got rid of a vehicle repossession deficiency of $6,961.

 

Here Is What The Client Said:

Why did you file bankruptcy?

"Because my husband was laid off after 23 years and we had bought an 18 wheeler. We got behind on it and it was repossessed."

 

What if you had not filed?

"We were being served papers from the sheriff's department. I really can't say. We were behind on everything."

 

How did filing bankruptcy help you and your family?

"It cleared up all of the debts we had and put us in a better position. It helped us out. We were really in a bind."

 

Would you recommend bankruptcy for someone else?

"Yes, I certainly would, if you can't pay bills or buy food and they (the creditors) are harassing you even on Sundays. Yes, I certainly would."

 

Would you recommend the Law Offices of John T. Orcutt?

"I definitely would. The personalities were great, and we felt great. I told John he has a wonderful staff."

James & Kelly

Got rid of $63,828 in debt and lowered their monthly payments by $842 per month. Got rid of ALL the interest that would have accrued on that debt.

After filing bankruptcy...
"WE BOUGHT A HOME...AND WE BOUGHT NEW VEHICLES."

Client Name:James & Kelly

Type of Case:Chapter 13

Results Achieved:

Lowered monthly payments by $842 per month. Got rid of $63,828 in debt....debt that will never have to be paid back. Got rid of ALL the interest that would have accrued on that debt. Were able to keep all property they owned. Stopped threatened repossession of vehicle 2 months behind.

 

Here Is What The Client Said:

Why did you file bankruptcy?

"We were getting further and further in debt and we were borrowing from one company to pay another, just to stay current."

 

What if you had not filed?

"Well, I think we would not have been able to buy a house or car, or anything like that."

 

How did filing bankruptcy help you and your family?

"We bought a home after renting with our son for 2 years, and we bought new vehicles."

 

Would you recommend bankruptcy for someone else?

"Yes sir I would, if someone can't pay bills, I would. Life goes on."

 

Would you recommend the Law Offices of John T. Orcutt?

"I have sent 4 or 5 people so far."

Frank & Sonya

Got rid of $58,190 in debt and lowered their monthly payments by $1,593 per month. Also got rid of ALL the interest that would have accrued on that debt. Got rid of a judgment for $3,328. Were able to keep all property they owned.

Without help from fling bankruptcy...
"WE WOULD HAVE LOST IT ALL...HOUSE, TRUCKS, EVERYTHING."

Client Name:Frank & Sonya

Type of Case:Chapter 7

Results Achieved:

Lowered monthly payments by $1,593 per month. Got rid of $58,190 in debt....debt that will never have to be paid back. Got rid of ALL the interest that would have accrued on that debt. Were able to keep all property they owned. Got rid of a judgment for $3,328.

 

Here Is What The Client Said:

Why did you file bankruptcy?

"Because I had a serious car accident, I wasn't able to work. The lady who ran into me didn't have auto insurance. Shortly after my recovery, we had a baby that needed a lot of medical care and during his birth, my wife also had complications. So, the medical bills were mounting up."

 

What if you had not filed?

"We would have lost it all...house, trucks, everything."

 

How did filing bankruptcy help you and your family?

"Since we filed, we bought cheaper autos and we don't worry about the medical bills because we can afford the care our son needs. Nor do we worry about keeping the lights on in our house."

 

Would you recommend bankruptcy for someone else?

"Yes, especially if they are in a similar situation, like worrying about feeding the children and making sure of the medical needs."

 

Would you recommend the Law Offices of John T. Orcutt?

"Most definitely. The staff bent over backwards to help with our problems."

Christina

Got rid of $19,661 in debt and lowered her monthly payments by $944 per month. Got rid of ALL the interest that would have accrued on that debt. Got rid of a vehicle repossession deficiency of $3,118. Was able to keep all the property she owned.

"IT RELIEVED A LOT OF STRESS."

Client Name:Christina

Type of Case:Chapter 7

Results Achieved:

Lowered monthly payments by $944 per month. Got rid of $19,661 in debt....debt that will never have to be paid back. Got rid of ALL the interest that would have accrued on that debt. Was able to keep all property she owned. Got rid of a vehicle repossession deficiency of $3,118.

 

Here Is What The Client Said:

Why did you file bankruptcy?

"It was a hard time paying bills. I was overspending taking care of more people than I should."

 

What if you had not filed?

"I would have been in debt for the rest of my life."

 

How did filing bankruptcy help you and your family?

"Well, it has relieved a lot of stress. "

 

Would you recommend bankruptcy for someone else?

"It would depend on circumstances. I wouldn't use it for a first step. It's nothing you want to do, but if there is nothing else you can do..."

 

Would you recommend the Law Offices of John T. Orcutt?

"Yes, I would. The office has it down to a science, and it was all so smooth."

Charles & Emily

Got rid of $97,513 in debt and lowered their monthly payments by $1,905 per month. Also got rid of ALL the interest that would have accrued on that debt. Were able to keep all the property they owned.

"WE ARE A WHOLE LOT BETTER OFF..."

Client Name:Charles & Emily

Type of Case:Chapter 7

Results Achieved:

Lowered monthly payments by $1,905 per month. Got rid of $97,513 in debt....debt that will never have to be paid back. Got rid of ALL the interest that would have accrued on that debt. Were able to keep all property they owned.

 

Here Is What The Client Said:

Why did you file bankruptcy?

"We had no money to pay our bills....not enough coming in."

 

What if you had not filed?

"Probably would have lost everything we had. We saved our home."

 

How did filing bankruptcy help you and your family?

"We are a whole lot better off than where we were money-wise."

 

Would you recommend bankruptcy for someone else?

"It depends on the situation."

 

Would you recommend the Law Offices of John T. Orcutt?

"Yes, sir!!!"

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