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K = Knowledgeability C = Clarity of Response T = Timeliness P = Politeness
N = Nominated for Expert of the Month
| Date | User | K | C | T | P | N | Comments |
|---|---|---|---|---|---|---|---|
| 2009-11-18 | Dane | 10 | 10 | 10 | 10 | No | Thanks for your timely response!! I will take your advice and get an attorney to help me out. |
| 2009-11-11 | Bryan | 10 | 10 | 10 | 10 | No | Thank you so much for your answer. Your service is greatly appreciated! You guys should be very proud of the wonderful deed you are doing. You must help so many people!! Thanks again!!!! |
| 2009-10-31 | eddie | 10 | 10 | 10 | 10 | No | This is truly a great service you offer. It is nice to now you can ask questions and get a professional answer from someone who knows what he is talking about. |
| 2009-10-26 | Angie | 10 | 10 | 10 | 10 | No | |
| 2009-09-15 | Jennifer | 10 | 10 | 10 | 10 | Yes | Very quick response. Thank you so much! |
| 2009-09-09 | julia | 10 | 10 | 10 | 10 | Yes | Very prompt, direct and knowledgeable attorney. He also took the time to answer and got the email less than 12h! Rate A+ |
| 2009-09-04 | Marla | 10 | 10 | 10 | 10 | Yes | Thank you for your time in answering my question. You gave me more time than my BK attorney did. Thanks |
| 2009-08-14 | Emiley | 10 | 10 | 10 | 10 | No | |
| 2009-08-12 | Amanda | 10 | 10 | 10 | 10 | Yes | |
| 2009-08-12 | Kim | 10 | 10 | 10 | 10 | Yes | Thank you again. Your promptness on both of my questions is appreciated greatly. Please have a good day. |
| 2009-07-24 | Kim | 10 | 10 | 10 | 10 | Yes | Thank you so much for your prompt and informative reply. Please know it was appreciated sincererly. |
| 2009-07-07 | ANNE | 10 | 10 | 10 | 10 | Yes | |
| 2009-06-17 | Jennifer | 9 | 9 | 9 | 9 | Yes | |
| 2009-06-12 | Ivan | 10 | 10 | 10 | 10 | No | Great and complete answer!!! |
| 2009-06-09 | donna | 10 | 10 | 10 | 10 | Yes | Thanks so much for your feedback. |
| 2009-06-03 | sherri | 10 | 10 | 10 | 10 | Yes | Thank you for the information. I did some research after I asked the question also. And all the responses were the same. Just wanted to make sure. And thank you for your regards. |
| 2009-06-01 | Terry | 10 | 10 | 10 | 10 | Yes | Wow - great info. Thank you very much! |
| 2009-05-27 | Emiley | 10 | 10 | 10 | 10 | No | |
| 2009-05-20 | Isabel | 10 | 10 | 10 | 10 | No | Thank You! Response was immediate, helpful and very useful! |
| 2009-05-13 | katie dover | 10 | 10 | 10 | 10 | Yes | Thank you very much for your assistance |
| 2009-04-03 | Teresa Masterson | 10 | 10 | 10 | 10 | No | |
| 2009-04-01 | damen | 10 | 10 | 10 | 10 | Yes | |
| 2009-04-01 | Douglas | 10 | 10 | 10 | 10 | Yes | Many thanks. You were a big help |
| 2009-03-31 | Mel | 10 | 10 | 10 | 10 | Yes | Thanks for such a quick response -I got the information I needed, thanks! |
| 2009-03-26 | Betty | 10 | 10 | 10 | 10 | Yes | The state claims the car is worth @4,000 dollars. Thank you. |
| 2009-03-24 | Raymond Jebs | 10 | 10 | 10 | 10 | Yes | Thank you very much! |
| 2009-03-23 | Jen | 10 | 10 | 10 | 10 | No | Thank you for your quick response and reassurance. |
| 2009-03-20 | Kathy | 10 | 10 | 10 | 10 | Yes | Thank you for your response. I have decided to go ahead with the BK and start over. The Credit Cards seem to be a in a panic right now to do every thing they can to get every penny they can from those of us who have historically paid them. I think they will push many of us right over the BK edge and loose much more than they gain. I was a good customer for decades and now, even though they will get alot of their money from me anyway, they have permanently lost me as a customer. That may sound odd coming from someone who is declaring BK but I was the perfect customer. Always paid on time, always had a little balance going, always paid my annual fee, thinking I would earn that elusive free round trip airline ticket to some exotic vacation spot. Now that I am back in reality, I see how I was duped. I have already paid them back threefold, when you add interest. I am done. Once this is over...I am done. |
| 2009-03-17 | Janice | 10 | 10 | 10 | 10 | Yes | THANK YOU FOR THE GREAT ADVICE....YOU ARE THE BEST!!!!!! |
| 2009-03-16 | Janice | 10 | 10 | 10 | 10 | Yes | Thank you so much for the response. I will take your advice and contact my lawyer and use the discussion points. |
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Answers by Expert:
Personal and small business bankruptcy. Mr. Bayer has successfully handled thousands of bankruptcy cases. You can view his personal web site at:
www.debt-relief-bankruptcy.com
Publications
Author, ?The Essentials Of Chapter 13,? Daily Journal Report, December 18, 1987.
Contributing Editor, Basic Bankruptcy, California Practice Handbook, Matthew Bender 1992, 1993.
CEB Consultant, CEB-Personal and Small Business Bankruptcy Practice in California, 2003.
Awards and Honors
President, 1995-1996-Los Angeles Bankruptcy Forum; Member - Los Angeles County Bar Association Committee on Commercial Law & Bankruptcy, 1988. Law Advisory
Commission-Personal & Small Business Bankruptcy Law of the State Bar of California, 1996-2000
MR. BAYER SAYS: The big banks and credit card companys have been working overtime for many years to undermine the Consitutional right of the American people to be able to claim bankruptcy protection. In 2005 the banking lobby successfully convinced Congress and the President to make the laws and proceedures more complicated, hopeing that it will stymie legitimate people from filing bankruptcy. They succeeded in gaining these complex new legal proceedures by greasing the legislative system with hundreds of millions of dollars in "campaign contributions." The good news for the American people is that while the new laws have made the proceedures needlessly complex to the point where inexperienced people can't help but trip over the maze of new rules and regulations, the process is still doable, especially with a lawyer who is well trained and experienced in this specialty.

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