At a time when the stress and emotional upheaval of financial matters seem insurmountable we had to consult with a Bankruptcy attorney whether to pursue Bankruptcy due to circumstances beyond our control. Having an experienced and knowledgable attorney is an absolute must. Fortunately we discovered the professional and caring guidance of Ron and his assistant Robin. Ron and Robin have developed a uniquely systematic procedure for guiding the novice through the legal maze. Mr. Luzim's organized and thorough approach to helping us through this experience came at a time when we felt deeply discouraged and unsure of what to do next. We respectfully recommend Attorney Ronald A Luzim.