After voluntarily surrendering my car last year, there was still a high balance remaining that I or the other person on the loan would have to pay after it was sold in an auction. I did not have the money, nor did I want to pay for a car I no longer own, to pay off that remaining balance. After researching Sacramento bankruptcy lawyers, I found Mr. Bains on Yelp and read all the amazing 5 star reviews. I decided to book a consultation and after that meeting with him, made the decision to file Chapter 7 Bankruptcy. I received a lot of criticism about filing from my family, but Mr. Bains gave me the support and security in knowing my decision was the best decision. He communicated with me every step of the way in letting me know what documents he needed, what financial management course I needed to take, and what day I needed to show up to court. Anytime I had a question, I would send him an email and I always had a response by the next day. The cost was reasonable, and he even offered payment options. At the end of the day, I still ended up paying less than if I were to pay back the balance of the car and my credit card. I now have a fresh slate and am working on rebuilding my credit. Mr. Bains made the bankruptcy process as painless as can be. Thank you for your amazing expertise!