Thank you Richard. I can’t believe I waited so long to contact you. My experience with the previous two lawyers was not that great, they definitely needed some cultural competency training. You have a very welcoming and calm spirit…thank you for that. Filling bankruptcy is right up there with marriage, buying a new home and divorce in terms of stress provoking situations. However I don’t feel that much stress going through it with you. I see the light at the end of this long tunnel. Thanks so much Richard