I Felt My Creditors Trusted Me and Now I'm Betraying Them

I was experiencing anxiety on whether I was making the right decision to file a Chapter 13 Bankruptcy.  I felt that my creditors trusted me and now I'm betraying them.  I made so many stupid, irresponsible financial choices when I was younger and previously filed a Chapter 7 Bankruptcy, so I made a mission of paying every bill on time.  I still was, but I wouldn't even have enough money for groceries so I knew something had to give, but the guilt of not paying my bills stopped me from filing.

I felt no one could help me.  In June of 2013, I started reaching out to my creditors and banks for help to see if my debts could be consolidated but my FICA score was too low.  Between June 2013 and January 2014 I canceled 95% of all credit cards to demonstrate how serious I was and to stop the debts from increasing because I was actually using the cards to cover normal living expenses.  But unfortunately the creditors were still unable to help because my debt to income ratio was too high. 

At my consultation, Mrs. Edrie Pfeiffer was clear. precise, honest and no-nonsense!  She impressed me and she was so down to earth that I knew I wanted HRLS to represent me.  Also, I'm a Christian and I absolutely love Mrs. Pfeiffer's openness about her faith in the monthly newsletters.

Hampton Roads Legal Services did an excellent job in addressing my concerns.  After my consultation, I stayed up all night praying about what I should do.  I replayed Mrs. Pfeiffer's words in my head over and over again.  I hadn't slept good for weeks because of my financial situation.  That night at 3:00 am I decided I was going to file a Chapter 13 Bankruptcy and have Mrs. Pfeiffer represent me and an amazing peace came over me! 

The HRLS team has answered every question, concern and inquiry with urgency and professionalism.  I'm extremely happy with their services!  They are fabulous and I'm thankful they are on my side. 

I referred my mother to Hampton Roads Legal Services as well and they helped my mom so much!  The advice Mrs. Pfeiffer gave my mom changed her life and it cost my mom nothing! 

R. Winfield, Virginia Beach, VA