IRS Offer In Compromise

How to Survive Tax Problems and
7 Smart Ways to Protect Your Assets


If the IRS has sent you threatening notices - if the IRS has seized your bank accounts or other assets - if you feel overwhelmed by the IRS and can't find a solution to your tax problems - I'm confident you'll find this material helpful.

Congress created the IRS for one purpose: to collect taxes. Then, to make the IRS's job easier, Congress stacked the tax laws in favor of the IRS. By doing so, Congress gave the IRS enormous power - more power than any other credi tor. For example, you may not know that :

The IRS can take your bank accounts, wages, business - even your home - without going to court!

I know how frightening and frustrating it can be to face the IRS alone, which is why I help people settle or eliminate their debts.

Often, when a person or couple has more debt than they could ever hope to pay, part of their debt is taxes owed to the government. So while I help individuals erase all types of debt, often some of that debt is taxes owed to the IRS.

In some cases, we erase their debts through bankruptcy. And in other cases, we negotiate settlements with the creditors. Often, one of these creditors is the IRS.

I've worked with scores of clients who thought they would never get out from under their bills, including taxes. But fortunate ly, with my help, most did.

I applaud you for taking steps to solve your financial dilemma because if you ignore tax problems your situa tion will only get worse.

When you read the enclosed materials, you'll discover...

- 5 dangerous misconceptions about tax problems
- 8 costly mistakes you could make if you don't have a competent attorney.
- How to settle with the IRS for pennies on the dollar
- 7 smart ways to protect your assets
- How to select the right professional to help solve your tax problems, and more.

In addition, you're invited to call me at 312-969-0730 or send an email to me at. I'll be happy to discuss your problems and answer your questions without charge over the telephone or in person.

And if someone you know might benefit from this information packet, please call me with their name and address. I'll send this free fact kit right away.

Again, thank you for your interest. If I can help you in any way, please don't hesitate to call.

Very truly yours,
Richard G. Fonfrias
Fonfrias Law Group, LLC

8 Costly Mistakes You Could Make
If You Don't Have A Competent Attorney


Mistake #1: Trying to deal with the IRS by yourself. Unless you are familiar with the tax laws C and unless you are experienced in negoti ating with the IRS C you will be at a serious disadvantage. The government's tax collectors are thoroughly trained to find your assets and seize them. Taxpayers who represent themselves often make matters worse.

Mistake #2: Failing to develop a competent plan of attack. What you believe to be a hopeless situation can often be turned around with careful asset and tax planning. People who try to work out their tax problems before they understand their exposure to tax collection and defense options usually make the wrong choices.

Mistake #3: Choosing not to file your tax returns because you don't have the money to pay what you owe. Even if you can't pay your taxes, you should still file your returns. Failing to file tax returns increases your penalties and interest. If you don't file, the IRS will prepare a return on your behalf based upon the fewest exemptions and deductions. Because the IRS prepared your return, you will end up owing more than if you filed yourself.

Mistake #4: Choosing not to pay any taxes because you don't have the entire amount of money you owe. Many people decide not to send any money to the IRS when they can't pay everything they owe. It is far better for you to make partial payments than to let your situation grow worse. It's even better to pay a reduced amount toward a negoti ated settlement.

Mistake #5: Accepting the IRS's determination that you are liable for the taxes. Many taxpayers, such as spouses or officers of corpora tions, may not be responsible for taxes the IRS accuses them of owing. A competent tax attorney can tell you whether you really owe the taxes. During an audit, aggressive legal representation can save you literally thousands of dollars.

Mistake #6: Not considering bankruptcy. In some situations, you can discharge your tax obligations in bankruptcy. Many people find bankruptcy is an effective tool for solving tax and other financial problems.

Mistake #7: Relying on the wrong type of tax representative. Most accoun tants and enrolled agents do not specialize in handling tax problems. Although they may be skilled at accounting, management consulting, and tax return preparation, they are not trained to be aggressive advo cates. In most cases, a lawyer who is educated in the art of argument and experienced in negotiating with the IRS will get you the most favorable result.

Mistake #8: Relying on the wrong attorney. Most attorneys have very little experience with taxes, much less handling tax problems with the IRS. Make sure you speak with an attorney who specializes in helping people eliminate their debts.

How To Settle With The IRS
For Pennies On The Dollar



You Could Benefit From The Offer In Compromise Program

In 1992, the IRS began the Offer in Compromise Program. It allows the IRS to compromise the tax liabilities of financially strapped taxpayers for less than the full amount owed. Since its inception, delinquent taxpayers have settled their back taxes for pennies on the dollar.

The taxpayers eligible for the Offer in Compromise Program include those with too few earnings and too few assets to pay their taxes in full. Almost any type of tax liability can be compromised: income tax, corporate income tax, payroll tax, or estate taxes.

The Offer in Compromise Program works when the IRS is convinced that a negotiated settlement is more than they could get by seizing assets or more than they could collect under an installment agreement. To accept a reduced amount, the IRS must believe that the taxpayer's present and future financial circumstances will not dramat ically improve.

The IRS started this program for two reasons:

First, Congress and the Treasury Department pressured the IRS to raise more money for the government by negotiating deals with delin quent taxpayers. The government decided that partial payments are better than none at all.

Second, the Offer in Compromise Program brings delinquent taxpay ers back into the system, helping ensure that they will pay their taxes in the future.

During 1993, when statistics were last published by the govern ment, the average taxpayer who participated in the program settled his tax delinquency for less than 15 cents on the dollar. The (city) District Office of the IRS approved the following settle ments between January and August 1995:

Amount OwedSettlement AmountAmount SavedPercentage Paid
$513,000$40,000$473,886  8%
$216,508$25,000$191,50012%
$ 97,316$10,000$87,31610%
$ 80,102$11,000$69,102 14%
$ 53,250 $4,000$49,250   8%
$ 36,819$4,500$32,31912%
$ 22,456$6,590$15,86629%
$ 17,646$1,500$16,146  9%


Before filing an Offer in Compromise, you should consider the advantages and disadvantages.

The advantage of the program, obvious ly, is that you pay your tax liabilities for a fraction of what you owe. This negotiated settlement allows you to start fresh and rebuild your financial life.

The program does, however, have several disadvantages:

First, the program requires that you disclose your financial situation to the IRS. If your Offer is accepted, that's not a problem. But if your offer is rejected, the IRS will know where your assets are. The information you disclose, however, is no more than that required for an in stallment agreement, something you might enter into if an Offer in Compromise is not workable. In most cases, even when an Offer is rejected, another resolution is reached, so the information revealed is not used against the taxpayer.
Second, after your Offer is accepted, the IRS keeps all tax overpayments for future tax years until your liability is paid. When taxes are owed, the IRS keeps refunds regardless of whether an Offer is filed, so this is not a real disadvantage. You can avoid this problem with careful tax planning.

Third, the statute of limitations for collection, 10 years, is extended by one additional year plus the time your Offer is under consideration. The IRS often takes six months or more to review your Offer. This means the collection period can be extended that long even if your Offer is rejected. In most cases, rejection of your Offer is not the end of the road. Another solution can be found, thus reducing this disadvantage.

Fourth, if your Offer is accepted, it becomes public record. The IRS District Office keeps a file of accepted Offers in a section visited mostly by tax practitioners. Hardly any one, except for tax professionals who work with delinquent taxpayers, knows about this file.

For most people, the opportunity to solve tax problems for a greatly reduced amount far outweighs the minor disadvantages of the Offer in Compromise Program. If you have tax problems, a competent bankruptcy attorney will help you decide whether this program is a good choice for you.

7 Smart Ways To Protect Your Assets

Smart Way #1: Sell your assets for a fair price to another person before the IRS files a tax lien against your property. Like any other creditor, the IRS can recover assets that are fraudulently trans ferred, but the burden is on the IRS. Make sure you consult a bankruptcy attorney before conveying property.

Smart Way #2: If the IRS has already filed a tax lien, keep future assets out of your name. Although a tax lien makes it difficult and expensive to borrow money, your spouse or even a new corporation can purchase assets and take out loans, saving money and hassle.

Smart Way #3: Arrange with the IRS to pay off your liability within six months so the IRS will not file a federal tax lien. This has the added benefit of keeping you from having to disclose your assets and expose them to collection action.

Smart Way #4: Keep your bank account balances low. In most cases, the IRS strikes first against your checking and savings accounts.

Smart Way #5: Deal with the IRS sooner rather than later. Taxpayers cannot hide from the IRS. The federal government usually finds delinquent taxpayers within a year by accessing state and local databases. When you gain the IRS's cooperation, you save added interest and penalties.

Smart Way #6: If you are married, don't automatically file a joint income tax return. Filing a joint return makes you liable for your spouse's taxes, even after divorce or death. Before you file a joint return, make sure you and your spouse are free from tax problems. If you have tax obligations, get reliable advice on what your exposure will be to IRS collection action.

Smart Way #7: Don't discuss your tax problems with anyone other than your attorney. Many professionals, including CPAs, enrolled agents and attorneys can represent you before the IRS. But only lawyers have what is called the "-client privilege." If the IRS subpoenas your CPA or enrolled agent, the IRS can force them to disclose everything they know and everything you have told them about your tax problems. But not so with your attorney, because attorney-client conversations that are in anticipation of a lawsuit are confidential. If you want information about your tax problems to remain confiden tial, don't give this information to anyone other than your attorney.

Now, The Good News

1. Limits on seizure. The IRS cannot take all of your assets. The Internal Revenue Code exempts from seizure personal effects up to $1,650, undelivered mail, tools and books needed for your livelihood up to $1,100, income needed for court-ordered child support, unemployment, worker's compensation, public assistance and job training benefits, clothing and school books, and certain pension benefits.

2. Statute of Limitations. The IRS can collect back taxes for only ten years from the date of assessment, unless it goes to court to convert its lien to a judgment. Many times, however, the IRS allows the statute of limitations on collections to expire without obtaining a judgment. Once the statute of limitations expires, the IRS must leave you alone and withdraw its liens.

3. Taxpayer's Bill of Rights. Much of the protection you receive from IRS collection action comes from the 1988 Taxpayer's Bill of Rights. This is the law many attorneys use to protect your rights and assets.

How To Choose The Right Professional
To Help Solve Your Tax Problems

1. Select an attorney. Other tax representatives, such as accountants and enrolled agents, don't practice the art of advocacy, aggressively using the law as a shield to protect you. Also, they don't share the attorney-client privilege, so the IRS might legally force them to disclose information about you.

2. Choose an attorney who cares about you and treats you as more than just a client. The most effective attorney/client relationships are built on friendship, trust, and the ability to share thoughts openly.

3. Choose an attorney who handles your case from beginning to end. You want a bankruptcy lawyer who is involved with the details of your case, not one who has an assistant do most of the work.

4. Choose an attorney who is accessible. If the attorney doesn't return telephone calls quickly, find someone else.

5. Choose an attorney who charges fair fees. Make sure the attorney discusses how he arrives at his fees and whether he offers any options for the fee structure.

6. Choose a bankruptcy lawyer because he can help you settle debts with all of your creditors. People who are behind on their taxes are usually behind on other bills too. A bankruptcy lawyer will help you settle or erase all of your debts, not just your taxes. Most tax lawyers do not handle bankruptcies.

Professional Biography of Richard Fonfrias,
J.D. Attorney at Law

Rich Fonfrias is a respected Financial Rescue and Bankruptcy Lawyer based in Chicago, Illinois. He has practiced law since 1996 and has in-depth experience helping families and business owners overcome serious financial problems.

Rich represents clients in all types of financial emergencies - including state and federal tax elimination, reduction and settlement -creditor lawsuit defense - credit card defense - foreclosure defense - debt elimination, reduction and settlement - and loan and mortgage modifications, as well as chapter 7, 11 and 13 bankruptcies.

In 1990, Rich graduated from State University of New York at Stony Brook, where he earned a Bachelor of Arts Degree in Philosophy. In 1996, he graduated from Thomas M. Cooley Law School in Lansing, Michigan, where he earned his Juris Doctor Degree and a position on the Dean's List.

Rich is a member of the Illinois State Bar Association and the National Association of Consumer BankruptcyAttorneys. He is admitted to practice before all Illinois State Courts including the Illinois Supreme Court. In addition, Rich is admitted to practice before the United States District Court for the Northern District of Illinois.

In addition to the wealth of free information and informative articles available on his Chicago law practice's website, Rich Fonfrias also works in the community, helping people dealing with serious money problems.

Rich offers free informational seminars and has appeared on Chicago radio programs where he answers questions on topics like foreclosure, bankruptcy and credit repair. His popular book has helped many families:Rich's Common Sense Guide to Erasing Debt & Building Wealth in Tough Times: Insider Secrets & Strategies to Free You From Debt Now and Forever - GUARANTEED!

It's a helpful, easy-to-read guide that explains how to reduce debt and past due bills and build a strong financial future. It's available at amazon.com. Search these words: fonfrias financial common sense guide - with no quotation marks.

Please Note

This publication is designed to provide accurate information about tax problems and asset protection. It is not intended to render legal advice or services for your situation. Each person's circumstances are differ ent, so you should consult a competent lawyer.

These clients kindly offered their opinions about my legal services. I have included only their first names to protect their privacy. Even so, I assure you that each one of these testimonials is real and true. If you want additional information about client comments, please contact me.

AVVO Ratings - These comments were entered into AVVO's website.

Overall rating: Excellent
When my wife and I got into devastating financial trouble, we didn't know who to call. weren't sure what to do. We heard Richard Fonfrias on his radio program and called. Rich returned out call in less than one hour.

We completely understood what he said as he explained bankruptcy and its ramifications. Rich gave us a tremendous amount of information over the phone and we felt quite comfortable with him. So we made an appointment to see him.

Rich welcomed us and showed us the same kindness he expressed over the phone. We felt quite comfortable with Rich and he responded to all of our questions. We knew right away that we could trust Rich and we gladly refer him to anyone we know who has financial problems.

Brian
***

I visited with 3 highly regarding lawyers who painted a gloomy picture. They all said we had no option but to pay back 100% of the money because our income was too high to pay a lower amount. Rich said the opposite. He said the trustee might require a 100% payback, but that wasn't likely.

Rich got us a repayment schedule of just 4% of the amount owed. I thought I could trust what the lawyers said, since they all said the same thing, 100%. I'm so glad I kept looking and found Rich. I recommend Rich Fonfrias without qualification. He saved my wife and me a ton of money.

Anonymous
***

Rich is the very best bankruptcy attorney you can get, EVER!

I interviewed several lawyers and none could come close to matching the Richard Fonfrias's skills. Rich knows the law, the system and can accurately predict the outcome, which is never guaranteed. Even so, Rich's vast experience is something you can depend on.

Rich treated us like close friends. Rich gave us 100% of his attention and made us feel as if we were his ONLY client. Rich outshined the other lawyers in his personality, knowledge, demeanor, and amazing legal skills. Hiring Rich was the best decision my wife and I ever made.

My family is now secure and the amazing peace of mind helps us sleep very well at night. Would I hire him again? Absolutely, without question. And I recommend him to others every chance I get. Finally, life is good and we owe it all to Rich!

John
***

Overall rating: Good
Before filing for bankruptcy we decided to get a second opinion. I'm glad we did because Rich gave us sound advice that really paid off and I happily recommend Rich to anyone in financial trouble.

Kelly
***

My wife and I struggled with the decision to file bankruptcy for a long time. We heard Rich Fonfrias on a radio program and we liked what we heard, so we called him. He responded quickly to our voice message.

Rich is a polite, compassionate, honorable man. He spoke to us in words we could understand. When we met him at his office, we received the same 5-star service and kindness that he expressed over the phone.

Rich is a long-time lawyer who is passionate about his law practice and helping people. He is genuine and relaxed and he treated us with respect.

You can depend on Rich if you have any kind of money questions or problems. We refer him to our friends and family so they too get the same high level of service and respect that we got.

Dennis & Deborah
Chapter 7 Bankruptcy Client
***

I was concerned that I might not be able to file 7 bankruptcy. Thanks to Rich, I got everything I wanted. He got my bills discharged and now I'm free from that burden that I've carried on my back. Rich is a noble, honorable lawyer and I can't thank him enough.

Diane
Chapter 7 Bankruptcy Client
***

Overall rating: Excellent

Rich is one of Chicago's best attorneys. When me met Rich, we immediately connected with him. He helped his get past the guilt phase and look upon bankruptcy as a positive experience giving us the "fresh start" people talk about.

We could tell that Rich had our best interests at heart. And he treated us like his best friends. We will never hesitate to recommend Rich to anyone who could benefit from his services.

Anonymous
Chapter 13 Bankruptcy Client
***

Overall rating: Excellent

Richard is skilled, knowledgeable and a joy to work with. He helped me get through the tangled web of both bankruptcy and a divorce. My case fell into place, just as he said it would. Richard answered all my questions and was a formidable advocate representing me from start to finish.

Anonymous
Chapter 7 Bankruptcy Client
***

Over Rating: Excellent

I had already interviewed 5 lawyers and each one said I had to file chapter 13 bankruptcy. They also told me about my expected payment plan, which would have cost me a fortune.

I contacted Richard and told him about my money problems. He assured me that I could file chapter 7 and get rid of my bills.

Rich also helped me feel better about my situation. I was flabbergasted at the number of lawyers who all said the same thing, that I could not file chapter 7. Then Rich found a way to make it work. Rich is truthful, honest, and reliable.

LaVerne
Chapter 7 Bankruptcy Client
***

Overall Rating : Excellent

I was excited when I found Rich. He helped me achieve my goal of getting rid of collection calls and bills. He gave me complete information and helped me make a decision. In fact, Rich made the entire process easy for me. I have never before met a lawyer like him.

Dominic
Chapter 7 Bankruptcy Client
***

Overall rating: Excellent

Rich taught us about the bankruptcy process. We appreciated his kindness and his willingness to cut to the chase. He made sure we had everything we needed to get the most favorable outcome.

Tom
Chapter 7 Bankruptcy Client
***

Overall rating: Excellent

The highest compliment I can give Rich Fonfrias is that he made me feel comfortable at a time of high stress. Rich said everything would go well, and it did. Rich is one of a kind and I'm sure glad that I found him.

Tracy
Chapter 13 Bankruptcy Client
***

Overall rating: Excellent

I've been amazed how Rich has made bankruptcy a pleasant experience.

Sharon
Chapter 7 Bankruptcy Client
***

Overall rating: Excellent

During the time we've worked with Rich, we have admired his trust and his commitment to us.

Josh
Chapter 11 Bankruptcy Client
***

Overall rating:Excellent

Rich has always focused on how he could best help me and not the size of his fee.In fact, fees were about the last thing we discussed. I've always had his complete attention and he has responded to every question I asked. I'm very happy with everything we've done and have never met anyone as sincere and kind as Rich.

James
Bankruptcy Client
***

Overall rating: Excellent

We couldn't pay our bills so we felt helpless and powerless. Rich not only represented us, but he also coached us and was patient with us, helping us get through this frightening process.

Erin
Chapter 7 Bankruptcy Client
***

Overall rating: Excellent

Having a lawyer who is also a good communicator is hard to find. Mr. Fonfrias answered all of our emails and phone calls on the same day. We happily recommend him to anyone making difficult financial decisions.

Anonymous
Chapter 7 Bankruptcy Client
***

Overall rating: Excellent

I don't know where Rich gets all his patience. He and his staff are very kind and professional and they work in a calm environment, which helps ease my stress. They are incredibly detailed oriented and make sure every I is dotted and every T is crossed. Rich is a kindhearted man and a very hard worker. I'm pleased to recommend him, without reservation.

Heather
Chapter 13 Bankruptcy Client
***

Overall rating: Excellent

Richard will promptly answer any and all questions with a level of professionalism and patience that is beyond the norm. He is knowledgeable and willing to do his very best for his clients. His staff is just as courteous and professional and during the difficult process of filing for bankruptcy this means a lot. I highly recommend him!

Heather
Chapter 13 Bankruptcy Client
***

Overall rating: Excellent

Rich has a great personality and enjoys helping people. He's a hard worker and meticulous about details. I'm proud to know him and eagerly refer to him people having financial problems.

Duane
South Holland, Illinois
Client
***

Overall rating: Excellent

I met Rich while I was working on a project and I needed bankruptcy information for a product. Rich helped me a great deal and I could tell he has a wealth of knowledge about bankruptcy and other financial problems. I greatly appreciated his expertise and his ability to use language that could be understood by non-lawyers.

Anonymous
Client
***

The following comments were written directly to me and not onto AVVO's website.

When considering bankruptcy, I made appointments with three highly recommended lawyers. We left each appointment thinking we had no options because all three lawyers said we would have to repay 100% of our debt.

Then we found Rich through his website. When we left his office, we finally knew that everything would be fine. Rich said we had nothing to fear and that the trustee almost never requires a 100% repayment.

Rich is not just a lawyer; he is an experienced counselor. He knew how traumatic this was for us. Rich said we could relax and let him present our case. And Rich was right. His skill saved us a tremendous amount of money. And the reassurance he gave us was well placed. Everything he told us turned out to be accurate. And we cannot recommend Rich highly enough!

John

Rich, thank you for all the things you've done for my family and me. I know that you did everything possible. In fact, it makes paying back the money much easier because this will soon be over and everything came out in our favor. We could see your kindness and compassion from our first appointment until the last. That is what sustained us.

Rich, I believe in prayer and miracles. And, in my mind, the skill you demonstrated in helping us resolve this situation is a miracle.

Lilliam
***

We sent Rich an email to get more information. From that moment, in no more than an hour, Rich responded and spoke with us at length, answering our questions and helping us overcome our fears.

Rich was careful to keep our discussion realistic, explaining our options and answering our questions. It was clear that he cares about his clients and works hard for them. No question, we found the best lawyer for us and knew he would take good care of us, which he did.

We recommend him without reservation.

Dennis & Deborah
***

Rich gives you his undivided attention for the entire bankruptcy process. He never judges you; he supports you 100% from start to finish. I have called him countless times and he never rushed me and always kept me positive.

Don't be afraid to make that first phone call. Rich will take care of the rest so you don't have to worry about a thing. Richard is the right attorney for you and anyone else who's ready to get a fresh start!

Anne Marie
Chicago, Illinois
***

Rich, after meeting with you, I knew we would save our home and that we would be free from debts. Your bankruptcy knowledge and experience are remarkable. And I finally knew the options that were available to us and what you recommended.

The speed of service you provided was amazing. I was always afraid of filing for bankruptcy. In fact, it was the scariest decision I ever made. Now I know that I should have done it long ago. As you said, I should not have been afraid of anything!

Rich, your presence, discussion, and experience were everything I look for in a lawyer. Now I see why so many people call you when they're in financial trouble. In fact, when you and I spoke, I felt more like a personal friend than a client.

This gave me much-needed reassurance and I knew I could trust you to take me through the bankruptcy process with ease. You can depend on me to refer more and more clients to you.

Thanks very much, Rich.
John
***

I am happy because I have moved from a person who lives and thrives on debt to a responsible father who takes good financial care of his family.

John
Chicago, Illinois
***

I am pleased to recommend you to everyone who wants an honest attorney to get him out of financial trouble. Your excellent service and excellent results were exactly what we hoped for. Thank you so very much for helping my family and me go from terrible money problems to a relaxed future now that we've put our debts behind us.

Thanks Richard
Anonymous
***

I have never been treated with more kindness and respect than when I entered your office. You treated me as if I was the only client you served. I am so grateful for the way you resolved my case because I was at the lowest point in my life. You handled everything for me, as you said you would, and I had nothing to fear. I'm so glad I called you. For other people who are hesitating, I urge them to call you. What you tell them, like what you told me, makes all the difference in the world.

Thank you
A.M.C.

Rich, my life has completely changed since my bankruptcy. At the outset, I was scared and lost. I didn't know who could help me. In the end, calling you was the best decision I could have made.

Rich, if I hadn't had your help, I would have made countless mistakes. The bankruptcy laws did what they were supposed to do by giving me a fresh start so I could be a responsible person contributing to our society. And I can never thank you enough.
Thank You
Pete
***

Rich, you have been absolutely amazing taking me through this process. You made this experience much less scary for me and helped me make the right decision.

Anonymous
***

Richard Fonfrias is an excellent bankruptcy lawyer. One of his most important strengths is his ability to explain things so they can be understood. He breaks down everything and explains it clearly, which is a big help in making the right decision. Richard's calm manner kept me comfortable while going through this time of monumental stress. I encourage anyone in financial trouble to contact Richard.

Tony
Dolton, Illinois
***

The proof of our financial problems came when we were served with papers. In addition, the number of collection calls was over the top. Losing a job made it impossible to pay our bills.

We wanted our bankruptcy lawyer to be knowledgeable and to care enough about us to appreciate what we were going through. We talked to three lawyers about handling our bankruptcy.

Rich Fonfrias was our obvious choice. We chose him because handling financial and bankruptcy matters is all he does. Also, Rich's high level of knowledge and his tremendous support staff we never felt alone.

Sharon
***

Rich, one of our friends is facing foreclosure on her townhouse that she has been renting out for the past year. She wants to know her options so I gave her your information because you did an excellent job for us. I'm pleased that I can send someone your way. Thanks.

H
***

At the hearing the judge refused to rule and to enforce the turnover because I had filed bankruptcy. The judge ordered a stay until the bankruptcy is over. Rich, your advice was right on target. As always, thanks again for your help.

Chrissy
***

Rich, You and your staff deserve my highest recommendation. Everything went smoothly, exactly as you described. And Jenn took care of the details so efficiently. Thanks very much for a great outcome and superb service.

Sincerely,
Gene
***

Rich answered all my questions and told me what to expect. I was impressed that everyone always took the time to answer my questions. Rich and his staff are wonderful people. I highly recommend them.

Jenn
***

Rich was referred to me after my previous lawyer disappeared and left my case in a mess. One meeting and a few phone calls and Rich solved my problems. Rich made me comfortable and answered my unending list of questions. Rich was always available to me by phone, email or in person. I would certainly use Rich again and I'll gladly recommend him to friends and colleagues.

M.B.
Chicago, Illinois
***

After meeting with Rich, I was thrilled because I couldn't believe that I could erase my financial and legal problems. Our meeting really opened my eyes.

Anonymous
***

Rich and his staff members really cared about me and my problems. Rich communicated with me often and I didn't feel that I was being judged. I enjoyed working with Rich and will recommend him every chance I get.

Diane
***

Rich, I enjoyed working with you, considering how time consuming and complicated my case was. Thank you for helping me through this experience.

Peter
***

I was afraid that I would not be allowed to file for Chapter 7 bankruptcy.Thanks to Rich, who is a moral lawyer, everything fell right into place.

Anonymous
***

After our first meeting with Rich, we knew we had chosen the best lawyer. He was knowledgeable, kind, reassuring and compassionate.

From our first visit we knew Rich's highest priority was our best interests. He spent a great deal of time with us and we found him to be a man who keeps his promises. We watched as he worked hard to get us the payment plan we could afford.

Anonymous

Richard helped me deal with complex issues, walking the tightrope between bankruptcy and my divorce. He gave understandable answers to my questions and always watched out for my best interests. Rich is knowledgeable and professional and worthy of my referrals.

Anonymous
***

Rich is kind, relaxed, friendly, helpful and very communicative. When I hired Rich, I immediately felt at ease. I knew he would protect me from all the unknowns. Rich got an excellent outcome for me and I highly recommend him.

K.G.
***

I went to 5 different lawyers hoping to find the right solution. Every one told me I had only one option, Chapter 13. They described my proposed 5-year payment plan and it was unbelievable.

Then I met was Rich. Instead of me taking time off from work, we had our conversation by phone. Rich explained that I could file a Chapter 7 bankruptcy, which was what I wanted.

I was shocked at how the 5 lawyers I interviewed gave me bad advice. Then I hired Richard who got me the result I wanted. Rich is honorable, truthful and honest.

Anonymous
***

When the economy went bad, a real estate professional recommended that I call Rich. He and I concluded that Chapter 13 was right for me. Rich made it a point to always answer my questions and now I know I'm headed in the right direction.
Thank you Rich.

Dave
***

Rich told me about bankruptcy's pros and cons and we decided that Chapter 7 would be best for me. He helped me file Chapter 7 and made everything easy and painless. Now I happily refer friends, families and colleagues to Rich because he's a lawyer you can trust.

Dominic
***

Rich helped me block out my fear. I now appreciate the time and energy he spent working with me. Filing bankruptcy was an important decision. Rich's calm manner and endless patience meant a lot to me. And, as he told me, I had no reason to fear because he took care of everything and the results were exactly as he predicted.

Cherie
***

Rich has helped me not only with legal matters, but also with moral support. And, most important, was my peace of mind. He more than lived up to that commitment. As his slogan reads: Money problems solved. Peace of mind protected.

Pete
***

We asked Rich to be straight with us. He answered our questions with bottom-line information about what needs to be done and how to do it. Plus he made sure we had all the forms so we could complete our case favorably and quickly. We will recommend Rich at every opportunity.

Tom
***

If we hadn't had Rich's help, our situation today would be even worse. After all, we had more than enough excuses not to act. But we knew we could trust Rich and that helped overcome our fears. We're proud to refer our friends and relatives to Rich.

E.
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When my finances got out of control, I was running out of options. When I found Rich I knew everything would be all right. He helped me accept bankruptcy as a positive step, which made my financial problems easier to manage.

Rich kept me informed and gave me peace of mind. I gladly refer Rich to anyone who needs an excellent lawyer to solve their money problems.

Tracy
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I always refer Rich when anyone asks me if I know an honest, smart bankruptcy lawyer. Rich made my hopeless situation easier to endure. Rich's services do not end when the case is over. Knowing that I could call him in the future just to catch up was most comforting. Rich is a credit to the legal profession and I'm so fortunate to have found him.

John
Chicago, Illinois
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Rich's trust and commitment to us was surprising and most welcome.

Josh
Chicago, Illinois
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Rich is the most helpful attorney I have ever met. Rich gave me his complete attention and responded to all of my questions. He and I considered different options, with bankruptcy being one. Meeting Rich was like seeing an old friend. I was completely at ease, even though we had just met.

Anonymous
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Rich put me immediately at ease. He is a kind, caring person. I could tell that he had a high level of expertise and he got a terrific result for me.

Holly Campbell
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After my husband and I decided to file for bankruptcy, we met with Rich and hired him to handle our case. Rich made sure we understood all the ins and outs associated with bankruptcy. He was kind and patient, and moved us easily through the process. He made a stressful situation much easier to bear.

Anonymous ***

The thought of filing bankruptcy was hard for me to accept. Since we had legal deadlines to meet, we wanted a lawyer who is on top of the schedule. Rich practices law like lawyers should. He responds to emails and telephone calls promptly. And Rich's staff shares his values. I gladly recommend Rich to anyone, even if they don't yet need bankruptcy.

Anonymous
Chicago, Illinois
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I've known Rich for a long time. He's a hardworking lawyer who works long hours into the night. Rich pays attention to detail, which is a must in his area of practice. He is friendly, personable and truly cares about his clients. Also, he's a terrific lawyer.

Duane
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Rich has the rare quality of explaining complex issues in language I could understand. He knows the law very well, since he works with financial and bankruptcy problems every day. And where many business people intend to follow up, most don't. Rich is that rare exception. That's how I knew he would handle my case to the letter. He knows exactly what he is doing and that's why he is a highly successful bankruptcy lawyer. I refer anyone with financial problems to Rich, even if they might not need a bankruptcy.

Lora Boffa
Bloomingdale, Illinois
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Rich has that rare gift of being about to explain complicated subjects in everyday language. He is absolutely reliable and returns calls and emails promptly. Rich is a close personal friend of mine and a genuinely good person.

Bankruptcy Attorney
Name Withheld by Request
Chicago, Illinois
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