A recent example. Last week a lady came to our office to file bankruptcy. She was going to use part of her tax refund to pay in full. Mark told her it was NOT in her best interest. When she asked why, he told her she was filing because she was going to be garnished for a $300.00 judgment. She only owed a total of around $3,000.00 old debt over 7-8 years old which had probably been written off a long time ago. He told her to pay off the judgment of $300.00 (which is a lot less than the cost of filing bankruptcy) and keep the rest of her tax refund. Her credit would not be damaged by filing bankruptcy. She was so grateful! She did not know when she walked through our door that we are NOT just another law firm.