Thank you Toby. I must say that I am glad to have you as our attorney. After seeing the others during our court hearing. One attorney came unprepared -saying the wrong file was given to him. One couple were called but the attorney wasn’t there yet. I will definitely refer to you to someone who would ask for a Bk lawyer. Thank you for being professional. You are also gifted by God with a calm, soothing voice. It helps.