"When we finally realized we were in over our heads with debt, it was embarrassing and very stressful! We found out about Joel Winter through researching various bankruptcy firms. Before we sat down with Joel, we thought the process would be very intimidating, complicated and difficult. He led us through a process which was clear and easy to understand. We had to make some difficult changes in our lifestyle but Joel worked with us and was an amazing advocate. We are now out of bankruptcy and have a better understanding of how to stay out of it in the future!"