Summary
Episode 1: In this episode of the Legal Buddy Podcast, host Jim Ray interviews St. Louis bankruptcy attorney Max Groswald. They discuss the intricacies of bankruptcy law, focusing on Chapter 7 and Chapter 13 bankruptcies. Max explains how technology has transformed the legal process, allowing him to assist clients across state lines efficiently. He shares real-life success stories, emphasizing the importance of timely legal advice and the emotional aspects of filing for bankruptcy. Additionally, Max highlights his commitment to serving the community, particularly veterans, and the accessibility of his services.
Chapters
00:46 Welcome and Guest Introduction
02:54 Understanding Chapter 7 Bankruptcy
10:21 Navigating Chapter 13 Bankruptcy
13:04 Can Filing Bankruptcy Stop a Foreclosure?
16:23 Bankruptcy Can Prevent Car from Getting Repossessed
17:30 When Should I Contact a Bankruptcy Attorney?
18:53 Will Filing Bankruptcy Stop a Garnishment?
25:28 Max Discusses Supporting Veterans
27:04 Will I Have to Go to Court?
29:30 Conclusion
Episode Transcript
Welcome and Guest Introduction
Jim Ray:
Welcome to this episode of the Legal Buddy App Podcast. My name is Jim Ray. I’ll be your host today. And I’m very proud to introduce to you Max Groswald. Max, welcome.
Maxwell Groswald:
Thank you for having me.
Jim Ray:
Absolutely, guy. So you’re a bankruptcy attorney in the St. Louis, Missouri area, but you also have a license to practice in Illinois, right?
Maxwell Groswald:
That’s right, yes. I opened my practice about six years ago and I joke with folks, post COVID I practiced from Springfield, Missouri, which is on the western side of Missouri to Springfield, Illinois, which is in central Illinois. So I’m proudly licensed in most states.
Jim Ray:
Outstanding, you know, I think one of the questions somebody might have about bankruptcy as well if you’re in St. Louis, how can you help me in Illinois? But you’re actually pretty tech-enabled. There’s a lot you can do over the phone and with video calls like this,
Maxwell Groswald:
That’s right. We use very cutting edge, but user friendly technology to provide services to folks across the state of Missouri and Illinois. Post COVID, we’ve really leaned into technology, Zoom, Google Meet, DocuSign, Adobe and the like, which is most of my clients have been very receptive to it.
There’s a lot of folks out there who live in rural areas and they just don’t have access to local council that’s near them and they don’t want to drive two hours to meet me and I completely understand that. And also there’s some folks out there who frankly just don’t have the transportation. They may not live far from me but they don’t have a car or they don’t have an operating vehicle. So through the use of this technology we can avail ourselves of services to folks across the state of Missouri and Illinois.
Jim Ray:
So Max, you’re pretty much exclusively focused on bankruptcy. And there’s a couple of different types of bankruptcies. Let’s talk a little bit about that and explain it to the viewers. What is the difference between a bankruptcy chapter seven and also a chapter 13 bankruptcy? How do I know which one I need?
Understanding Chapter 7 Bankruptcy
Maxwell Groswald:
A Chapter 7 is what folks traditionally think of when they hear the word bankruptcy. It’s the one and done, it’s the wipeout. It’ll wipe out all of your credit cards, medical bills, personal loans, and the like. There’s a few exceptions. The whole process for a Chapter 7 from start to finish, it’s about four months. So let’s say that hypothetically your case is filed today. The moment your case is filed, you’re protected from all your creditors. They can’t touch you. So the phone call stop, the lawsuits, the garnishments, all that stuff stops right away.
Jim Ray:
What does that happen? I mean, how are you able to kind of step in between there?
Maxwell Groswald:
Sure, so there is a federal law, it’s called United States Code 11 USC 362A. If you Google it, it’s the automatic stay. Basically, it’s a federal injunction. So the moment your case is filed, the federal court steps in and basically puts the halt on any kind of collection activities. Again, it’s automatic. So the moment it’s filed, it kicks in.
So what will happen is if I filed your case, let’s say that you’re getting garnished or someone suing you, and I filed your case today, what will happen is I’ll call the attorney or I’ll call the creditor and say, hey, case has been filed, case number blah, blah. You know, got to put the kibosh in any kind of collection activities. And most of these creditors, they do know better. So when they get a call from me, when they get the case number, they know to halt any further collection activities.
Jim Ray:
Because actually, if they continue, they can actually be penalized, right?
Maxwell Groswald:
That’s correct. And I have done that before. So sometimes what will happen is a bankruptcy is filed and I’ll contact a creditor to halt whatever kind of collection activity it is, whether it’s a garnishment or repossession.
If they refuse to honor this federal injunction, so what I’ve done in the past is I’ll sue them. And I’ve been awarded money damages for the clients. Unfortunately, sometimes creditors, mess around and they find out.
Jim Ray:
Unbelievable, So we were talking, okay, so once you actually file it in court, the notice goes out, and can you kind of pick it up from there? You said about a month later.
Maxwell Groswald:
Certainly, yes. what will happen is about a month after the case is filed, we go to court. The court date’s done actually via Zoom. So again, you can do it from the comfort of your home. We dial in, we meet with the Chapter 7 trustee. The trustee asks you a series of questions under oath. It’s mostly yes or no questions. And I do a pretty thorough prep in advance of the meeting. And then about three months after the court date, you get your discharge, which is the official order that wipes out all your debt.
Again, with a few exceptions, such as student loans. That’s a big one.
Jim Ray:
Now, if I’ve never filed bankruptcy before and I’m having this hearing with a judge, is it like on TV? I mean, are there people in the courtroom or is there a jury? What happens in bankruptcy court?
Maxwell Groswald:
When the court date happens, I always tell my clients, even though it’s done via Zoom, you need to take this very seriously because you are testifying under penalty of perjury. But it’s not like what you see on television. Again, number one, it’s via Zoom. There are other people on the line, but usually they’re just other debtors who are providing testimony either before or after you. Technically, creditors can call in to ask you questions as well, but it’s very seldom that happens. in short, for the court date itself, yes, you need to take it seriously, you need to prepare accordingly, but it’s not as scary as people think, it’s not like what you see on TV.
Jim Ray:
And you’re going to lead them through all of that well in advance. So everybody’s going to be really confident going in.
Maxwell Groswald:
That’s right, I always call my clients a few days before or I’ll meet with them in advance to prep them. But usually the whole testimony, it’s roughly 15 minutes from start to finish. So it’s a series of just mostly yes or no questions. Did you read everything? Did you review everything? Did you sign everything? Did you list off your assets? Did you list off your debts? Is this a true statement of your income and expenses?
Everyone wants to go off script if there’s something peculiar about your case, again, most of it is just yes or no questions, and I do pretty thorough prep in advance.
Jim Ray:
Fantastic. If I’m preparing for a Chapter Seven, I’m going to file for Chapter Seven with your help, what type of information do you need to know from me? I mean, what’s that process?
Maxwell Groswald:
So, usually I ask for one hour of your undivided attention where I can just do my intake. I like to treat it kind of like an initial doctor’s visit, albeit much less invasive. You know, when you go to the doctor, they get the vitals, temperature, pulse, blood pressure, height, weight. Obviously, I’m not going be looking up your nose or down your throat or anything like that, but I have to get the vitals to see what’s going on.
So I’ll do an inventory of your assets. I’ll look to see if you own any real estate, vehicles, your bank accounts. I’ll also examine your income and expenses and your household size to make sure that a Chapter 7 is the right fit for you or whether you need to file a Chapter 13. It’s a pretty document-intensive process. So in addition to the one hour of undivided attention, which again can be done either in person or remotely, I asked for several documents in advance, such as pay stubs, tax returns, any bills, creditors, collections.
I also do a credit pull as well. Usually I’ll get a credit report from Experian, Equifax, TransUnion, and LexisNexis. So between those things, within about one hour, providing me the documents, I can tell you whether you need to file a 13, whether you need to file a 7, or whether bankruptcy is not the right solution to your particular problem.
Jim Ray:
Interesting. What happens if I forget something? Let’s say there’s an old credit card out there or maybe somebody has, you know, messed up a title on a car or something like that. When you’re pulling all that information, do you find that kind of stuff?
Maxwell Groswald:
All the time so the credit report that I pull it’s not free it costs money and there’s a reason it costs money because it’s extra thorough again it also provides information from a LexisNexus in addition I’ll go on the Illinois or Missouri case net slash local court website and I’ll run your name to determine whether any lawsuits have been filed against you.
Do creditors sometimes get omitted? Yes. Whenever that happens, provided that I’m given the information, usually I can rectify that. I can file an amendment to your case to alert the court as to this omission. It does happen.
Navigating Chapter 13 Bankruptcy
Jim Ray:
A few minutes ago you said, know, this would be for, I can see if you’re ready to qualify for a Chapter 7 or a Chapter 13. So let’s start talking about Chapter 13. Can you walk us through that? How is that different?
Maxwell Groswald:
Certainly. A Chapter 13, first off, the moment your bankruptcy is filed, whether you do a 7 or a 13, you get the automatic stay, that automatic protection. The difference is that a Chapter 13 is a debt consolidation and repayment plan. So that usually lasts anywhere from 3 to 5 years. So in short, what we do with the Chapter 13 is we consolidate your debt into one payment, and you make this payment every month to the bankruptcy trustee.
And what happens is the trustee gets that money and they basically cut it up into smaller checks and disburse it to your creditors. Now, one of the most common things I get asked is, well, if I owe $50,000 in credit card debt, do I have to repay all of that? The answer is, it depends. Oftentimes what happens is in a Chapter 13, it is a repayment plan, but you’re not usually repaying all your creditors. Usually, you only end up paying back pennies on the dollar.
So for example, let’s say you’ve got $50,000 in credit card debt. You might end up only paying back $10,000 of that, and then the $40,000 that goes unpaid is still wiped out. So a Chapter 13 is good for folks who are either trying to restructure their debt if they’re behind on the car loan and they need time to get caught up. Again, the way I think about it is if you’re in jeopardy of a repossession or a foreclosure, a Chapter 13, once it’s filed, it basically hits the pause button.
It gives you a minute to just catch your breath, give you some breathing room, and then spread out that debt over time to let you repay that to keep your house, to keep your car, and protect your assets.
Jim Ray:
And I’m not going to get into an argument with the creditor. If the bank holds the mortgage, I mean, they have to kind of take this?
Maxwell Groswald:
That’s correct. They don’t have a choice in the matter. They can’t just say, no, you can’t file bankruptcy. No, we don’t accept it. That’s not the way it works. It’s the law. You are entitled to file for bankruptcy protection. In fact, it’s actually in the Constitution. When our founding fathers met back in 1787 in the Constitutional Convention, they drafted Article 1, which is the enumeration of powers that Congress has the right to create.
And one of them says, Congress has the right to create and write laws regarding bankruptcy protections. So the founding fathers knew that in order to have a robust democracy and a capitalistic society, bankruptcy was a necessary part of that.
Can Filing Bankruptcy Stop a Foreclosure?
Jim Ray: (11:57.401)
So actually a Chapter 13 can help me save my house then, right?
Maxwell Groswald:
That’s absolutely right. I’ve had people before who have called me just days before a foreclosure and it’s a very common set of facts. I lost my job, my spouse got sick, and because of this I had an extended period where I had no cash. I fell behind my mortgage, I got this notification in the mail that they’re going to foreclose my house next week. But now I’m working again. What can you do?
Again, with the Chapter 13, the minute it’s filed, it puts the kibosh on that foreclosure proceeding. It gives you some room to breathe, and then it takes that mortgage arrearage, that delinquency, and it spreads it out over time, and it gives you the opportunity to repay that and not lose your home.
Jim Ray:
So when life happens, this kind of gives me a timeout.
Maxwell Groswald:
That’s exactly correct. And life does happen. think that’s something that people need to remember is life happens. People get sick, they have job losses, they experience divorce and hardship. And it’s really important to forgive yourself. There’s people out there who they won’t call me because of pride, because of shame. And to those of you out there who are thinking like that, forgive yourself and let’s just get you taken care of.
Jim Ray:
Exactly, exactly, move forward, right? That’s fantastic. So we talked a little bit about a foreclosure. In fact, you had a foreclosure story that we talked about as we were preparing for the episode, which you tended to move pretty quickly. I think you were actually on vacation at the time.
Maxwell Groswald:
That’s right, I was out of town. I got a call from a guy who, he got this foreclosure notice in the mail, and he got the foreclosure notice and he calls me about 48 hours before the foreclosure. And just to be clear, once the foreclosure is executed, the house is no longer yours, it’s the bank’s. So he calls me about 48 hours before the foreclosure. I’m out of town. And again, through this cutting edge but user-friendly technology, I’m able to get everything filed within about 18 hours of speaking with him. And we got the foreclosure stopped and we save his house.
Jim Ray:
Unbelievable. That’s the advantage of dealing directly with you as the attorney is, is I’m not trying to figure out how to get this done. I can just hand it over to you and say, work your magic, right?
Maxwell Groswald:
Yes. That’s right, the automatic stay, which I was discussing before, the injunction, it’s basically like a restraining order that stops creditors from moving forward. It is an incredibly powerful tool that folks can use to their advantage to keep their head above water. And that’s why I’m such a strong believer in what I do.
Sometimes people will say, I’m just going to use a debt consolidation company or a debt relief company. And I’m not I’m not poo-pooing those. Sometimes those may be the correct answer. But what I do has true teeth and again banks can’t say no they can’t say we don’t accept the bankruptcy we’re just going to foreclose. They know better when they get the call from me with the case number they stop the foreclosure or whatever it is immediately.
Bankruptcy Can Stop Car from Getting Repossessed
Jim Ray:
And the same thing goes for a car loan?
Maxwell Groswald:
That’s right. So, I’ve had people before who again, they fall behind in their car alone for whatever reason. Job loss, illness, divorce, whatever it is. And the vehicle is about to be repossessed. The moment it’s filed, it stops the repossession dead in its tracks. In fact, sometimes I can get repossessions rescinded. So for example, that’s right, I actually had this a few days ago. A man came into my office and his vehicle is repossessed. He said, help me, my car was repossessed about a week ago. Can you do anything?
Jim Ray:
Really?
Maxwell Groswald:
As a matter of fact, I can. Until the car has actually been sold at auction, the car is still technically yours. So what I did is I filed him in a Chapter 13. I called the bank. said, hey, bankers, he’s been filed case number, blah, blah, fork over the car. And now my client’s driving his vehicle again. But I do want to emphasize it’s very time sensitive. If he had called me a few days later, I wouldn’t have been able to get the car back. So if you are in that position, DO NOT WAIT.
When Should I Contact a Bankruptcy Attorney?
Jim Ray:
I would think if I’m concerned about it and I know I’m getting the phone calls, maybe I’m getting the letters, maybe I’m not even opening them, I just don’t want to deal with it, when should I get in touch with you ahead of time? As you said, it’s time sensitive. If I wait too long, it’s going to be more difficult. When typically would a consumer come in and start this conversation with you?
Maxwell Groswald:
What I always tell folks is the sooner the better. The right time is now. And I always tell folks, don’t be bashful. Sometimes people will and say, hey, I got this late notice in the mail about my credit card, but I don’t know. And I hate to bug you. I’m not sure. I say, stop apologizing. You don’t need to explain yourself. Let’s just talk it out and see what your situation is. But frankly, there’s no time like the present.
What I will say is if you get hit with a lawsuit of some sort, especially, don’t wait. If you get this notice of a repossession or foreclosure, do not wait. The sooner, the better.
Jim Ray:
If I pick up the phone and call you and just start asking your advice, am I getting billed for that or is that part of the, let’s just figure out if it’s even the right move for you at this time?
Maxwell Groswald:
You’re not going to get bill for that. My consultations are complimentary. The only time that I ask for money is if you actually want to get your case filed. Until then, phone call, an email, a meeting in person, whatever it is, it’s on the house. I got it.
Will Filing Bankruptcy Stop a Garnishment?
Jim Ray:
Outstanding. Well, okay, so we talked about foreclosures, we talked about chapter 7s, we talked about chapter 13s. What about garnishments? mean, if the employer is withholding money from my paycheck, how do I get that undone? Is there one bankruptcy version that works better than the other?
Maxwell Groswald:
Yeah, garnishments are, those are very scary situations. I get a lot of people that come to my office and they’re already living paycheck to paycheck. And then they get this notice from their employer that 25% of their wages are being garnished because of a defaulted credit card loan. Just like with the repossession or foreclosure, the moment your case is filed, I can get that garnishment stopped. So what I’ll do is, if I file your case, I’ll file a notice of bankruptcy with the local state court.
I’ll contact the creditor and I’ll say, hey, bankruptcy’s in file, case number 12345. And they’ll release the garnishment pretty promptly and get you back on your regular payments. So that’s not much of an issue. In fact, depending on the circumstances, sometimes I can get back wages that have been already garnished in the last 90 days. That’s right. It’s not always, but sometimes I can do that.
Jim Ray:
Really? Okay.
Maxwell Groswald:
So again, the sooner we get this thing going, the sooner we can get this garnishing off your back.
Jim Ray:
No, that’s fantastic. Now Max, as we were talking, you mentioned you and your family have some pretty deep roots right there in the St. Louis, Missouri area. You want to talk about that?
Maxwell Groswald:
Yes, that’s right. I’m a fifth-generation St. Louisan. That guy in the back with the tie on, that’s my grandfather. That picture on the far left over there, that’s my daughter and I. She’s a sixth generation St. Louisan. And I love my community. I’m a proud St. Louisan, I’m a proud Missourian, and I’m a proud American. Authenticity is my middle name. And I really love to help and serve my community and I’m just deeply passionate about making sure that folks in my community can stay financially afloat.
Jim Ray:
No, that’s fantastic. And I like the fact that it’s not some fly by night organization. You’ve been doing this for several years. You’ve got ties to the community and you’re just trying to help people. I think the stigma of, you know, worrying about what happens if I file bankruptcy might kind of slow me down in that decision. But, you seem like somebody that’s approachable, somebody that can just kind of pick up the phone and ask. And if it’s the right move, you’ll guide me through that process.
Maxwell Groswald:
That’s right. I really try to talk to people not like a lawyer but like a human. Because I understand at the end of the day we’re all human beings. No one’s perfect. We’ve all made mistakes. We’ve all done things that we’re not proud of. It’s important that when you come to my office that I look at you on the same level whether you’re a custodian or whether you’re running a bank and you make a lot more money than I do. It really is of no consequence to me.
The most important thing is that we treat each other like human beings. And the most important thing is that we can work together as a team to figure out where you are and where we need to get you to.
Jim Ray:
Outstanding. Now, with some of the larger firms, I might feel like I’m just kind of one of a thousand cases they’re handling. I how’s that going to work at your firm? What is that experience like if I’m your client?
Maxwell Groswald:
I worked for a big firm before and I’ve seen other people working at big firms and sometimes clients being able to actually speak with their attorney, it’s like getting an audience with the Pope. And that’s just, that’s not how I roll. I’m very available. I’ve got a pretty sophisticated text messaging software and email software where I can get in touch with folks pretty promptly. I offer after hours consultations and weekends if necessary.
And in addition, I’ve rolled out some pretty sophisticated AI software which can answer a lot of your questions and communicate with you on my behalf. Again, generally I’m just a phone call away. You don’t have to go through the rigmarole of having to talk to a bunch of paralegals and being put on hold.
Jim Ray:
Yeah, that’s what I’m always concerned about. When you see the advertisements, you hear other firms, you hear from other people who have been kind of caught in that. It’s like, I just wanted to talk to my attorney and I’m surprised it can be that difficult.
Maxwell Groswald:
That’s right. It really does drive me crazy and I’ve seen this before. My time is valuable, your time is valuable, but at the same time I just want to make sure people know that I don’t see myself sitting on an ivory tower where I’m doing you a favor just by speaking to you.
That’s not how I roll. I’m a pretty down to earth guy and I want to make sure people, they feel the love.
Jim Ray:
No, and it’s an embarrassing situation already. I don’t need somebody to make me feel worse about it.
Maxwell Groswald:
That’s right. That’s right. And again, I mean, people file bankruptcy all the time. People you’ve never heard of that you’d be surprised. Walt Disney filed bankruptcy. The president filed business bankruptcy several times. It happens. So again, just forgive yourself and let’s get this done.
Jim Ray:
Well, a lot of times as we talked about earlier, it could be medical bills that I didn’t plan for, they just happened and they’re a little overwhelming and now I’m stuck. And this may be that path that kind of gets me back on the right track so I can just move forward and, you know, start over.
Maxwell Groswald:
That’s right. I once had a guy who was out hiking in rural Missouri and he fell and broke his leg and he couldn’t walk and he started bleeding profusely. He had one of those sat phones and he called and they airlifted him to a hospital. He got an $80,000 bill, because he fell and broke his leg in the middle of rural Missouri.
Is he a bad guy for filing bankruptcy? Is that his fault that he broke his leg? No. Stuff like that happens all the time. Life is filled with randomness. Sometimes there’s random good luck. Sometimes it’s random bad luck. Just got to take the good with the bad. When the bad happens, call me and I’ll get you taken care of.
Max Discusses Supporting Veterans
Jim Ray:
Now Max, I appreciate that. Hey, there’s something on your website called the Kaufman Fund. Can you talk a little bit about that? mean, that’s veteran related, right?
Maxwell Groswald:
That’s right, so Wayne Kaufman, he’s a veteran and he’s a Saint Louisan and he’s a patriot. And he runs this non-profit called the Kaufman Fund and it’s in Saint Louis and it basically helps at-risk veterans. Veterans who are going through some kind of hardship and don’t have the resources. They need help from other people because they just can’t help themselves.
Whether it’s divorce or criminal law or in my case bankruptcy, what will happen is whenever they do have a veteran who needs help, they’ll send out an email on the listserv saying in search of a lawyer for X, Y, and Z. So whenever there’s somebody who needs bankruptcy services, I reach out. I offer free legal services to 100% disabled veterans. So basically any veteran who has been deemed 100% service-related disabled, I offer complimentary services. I’m very proud of that. I’m very proud of the work that you would.
Jim Ray:
Well, I mean, that kind of goes back to the theme we talked about earlier about you’re five, six generations deep and you’re just proud of this community. And that’s knowing that you have a program like that or the ability to help somebody like that, especially a veteran. It says a lot about the character. Max, I really appreciate that.
Maxwell Groswald:
Yeah, yes, thank you. I appreciate that.
Will I Have to Go to Court?
Jim Ray:
No, that’s fantastic. So Max, let me ask you this. We’ve got a few minutes left here in the conversation. If I want to have that conversation with you, or I’m to the point where, I’ve got one of those letters, those notices, and I really need to get in touch with you, what is the best way for me to do that?
Maxwell Groswald:
There’s a few ways. First off, you can just call me. My number is 314-736-1275. You can also go to my website, Groswaldlaw.com. And I’ve got an online platform where you can fill-in your information. Again, you could go to my website right now, type in your information, and my AI chatbot, Bella, will reach out to you. And she can actually schedule you on my calendar.
Again, you can simply just email me. And you can text me as well. can text the 736-1275 number. I’ve got a pretty quick turnaround. I’m proud to say usually I can get back to you within the same day or within 24-hours. Approachability is something that’s very important to me and accessibility as well. So between all the different technological platforms, I can get back to you pretty quickly.
Jim Ray:
That’s outstanding. And again, you also work with clients who are over in Illinois, correct? mean, so this all goes the same for them.
Maxwell Groswald:
That’s exactly correct. So I work with folks in Illinois all the time. Again, I work with people who are just across the river in East St. Louis. If they want to drive to my office, that’s fine. I work with folks in rural Illinois. And again, I can do consultations either in person, telephonically via Zoom, depending on, so long as you’re willing to do it remotely, I offer very flexible hours, including nights and weekends.
Jim Ray:
And again, I really don’t have to come to court. This isn’t like divorce or a car wreck. Bankruptcy courts handled a little differently and we’re going to probably do it over a Zoom call, which is kind of like Facebook FaceTime.
Maxwell Groswald:
That’s exactly correct. So for many of my clients, the whole process, they don’t have to leave their house. They can do their engagement with me remotely and the court date itself is then remotely as well. Now I do want to be clear, some folks, they’re not particularly technologically savvy. If you want to come to my office and do the Zoom call here, that’s perfectly fine. But either way, the ball’s in your court whether you want to do this from your home or from my office. But just to be clear, that is correct. You do not have to physically go to court. Full stop.
Conclusion
Jim Ray:
Outstanding, Max, it’s been a fantastic discussion with you. I really appreciate your time today and I really appreciate your interaction with Legal Buddy App. I this has been fantastic. And I hope the listeners and the people who are actually watching the video are getting a lot out of this. I hope they found some information. I hope they realize filing bankruptcy is a right. I mean, it’s not anything to be embarrassed about. It’s a right that’s actually there, as you said, in the Constitution.
When life happens, this is probably something I need to at least be aware of and maybe consider. And knowing that I’ve got somebody like Max on the other end of line there to take care of it might make that transition and that decision a little bit easier.
Maxwell Groswald:
Sure, and Jim, I just want to say thank you so much for having me on. I really appreciate your professionalism. Shout out to Bill Pothoff and Chris Hebe and all the good folks at Legal Buddy App.
Jim Ray:
Outstanding. Max, it’s been a pleasure. We’ll talk to you next time.
Do You Need to Contact a Bankruptcy Lawyer?
Website: www.GroswaldLaw.com
Phone: (314) 736-1275
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