Spalding Law Center LLC

Calling Spalding Law Center is the best financial decision I ever made. The helped me with the short sale of my upside down house a couple of years ago. They let me know what to expect and kept me updated along the very long process. We are planning to buy a new home this spring.

In the summer of 2013, I was pregnant with my first child and overwhelmed by credit card debt. I was super scared that I would not be able to handle the financial responsibility of having a new baby and continuing to make hefty credit card payments. I did a lot of thought and research. I went back and forth. I was wracked with guilt. I finally set all that aside, and it led me to Angela at Spalding Law Center.
I walked in the door scared and nervous. As I sat in the waiting room, all I kept thinking about were all the unforeseen circumstances and bad decisions that brought me to this point. I was embarrassed. But Angela was amazing. She was so understanding and patient and walked me through everything. Filing for bankruptcy is nerve-​wracking and brings up every emotion in the book, and Angela helped put my mind at ease through the whole process.
Angela filed my Chapter 7 case on August 9^th, 2013. I had my trustee meeting of creditors on September 27, 2013 (one WEEK before my son was born. Whew!). My debts were discharged November 27, 2013. I literally have never felt a bigger sense of relief in my life. I felt like I had a new start and was now able to give my son the life he deserves.
I got a secured credit card December 2013. I have always made sure to only use a small amount of the credit limit and to pay it off in full monthly. In October 2014, I was successfully able to finance a $ 15k 2014 car at 2.59% APR. My next two goals are to get an unsecured card to continue rebuilding my credit and to hopefully get an FHA home loan this winter!
Thank you, Angela. I can’t tell you how grateful I am for all your help and making this process go smoothly. I literally have felt like I had a new lease on life these past two years.
Update: 1÷27÷16
Yesterday, 2 years and 2 months after my bankruptcy was discharged, I got a «clear to close» on my first home with an FHA loan. I am closing next week. I can now give that little baby I was scared and pregnant with a home of his own. None of this would have been possible without my decision to come and see Angela. Thank you all so much!
Update 2÷8÷16
I closed on my first home today! I am so very excited I was able to become a homeowner only a little more than two years after my bankruptcy discharge. In addition, I was able to get my first unsecured credit card with a limit of over $ 11,000. If you’re still trying to figure out if you should call Angela, MAKE THE CALL!

It goes to show, every review is 5 stars! A business proves themselves by performance, credibility and accuracy and Spalding Law Center exceeded this level of standards.
It’s interesting to read through the other reviews because there’s a very similar feeling and tone, which I resonate with completely. From simply being so mentally bogged down, feeling that you lost.
My story, I made a couple phone calls to the «Top Bankruptcy Lawyers». One was simply an assembly line, get a number. The second I actually visited; it was whatever high rise in the loop, and one man, in a leased out office for his business, Stark of any human quality. Desk, couple papers, and his law degree. Top of that, his personality was a perfect match. Being I already did the research of the rules, requirements, about the whole process, he wasn’t even following the guidelines, and of course he wanted my credit card within five minutes. Point being, you don’t want that for this process (or any really), but especially this.
Back to square one. I did my Unilocal reviews and it was Angela. By this point though, even though their office is ridiculously warm, cozy and welcoming, as well as the people working there, my nerves were done. I know walking through the door my attitude was bad; it was more and more documents to fill out (which I realized was the proper way to handle this) of all the stuff you never thought you would be doing.
In I walk into my appointment with Angela Spalding. Again, my attitude, was «just get me out of here». However, the more she started talking and not taking my state of mind personally, we ended up talking at least hour and a half. And I LIKED that. You want someone who’s a real person, gives you the straight facts, and goes through the pros and cons. I absolutely walked out that day with the opposite attitude I had walking in. And it wasn’t some sale she was filling my ears with. Just the facts, but spent any time longer that most lawyers would even consider.
I slowly started the «After» processes she offered. Start re-​building, and I surely did. Prepaid credit card to start, never charged more than half of credit line, paid on time, every time. 3 – 4 months later, applied for a major credit card. Green light. Just couple months later, got a job now, and one more card (with company I actually charged off in the bankruptcy) with what I thought was a generous credit line. Credit score had gotten to 680 – 690 at this point. Not too bad for the previous year having bills stacked you couldn’t even look at (my bankruptcy was under $ 15k too). Lastly, got an auto loan (for a needle in haystack deal, $ 14k Acura, through MERCEDES DEALERSHIP) at 7%. Sure it isn’t zero or one, but it was reasonable. Basically, the whole thing was behind me and even from day one after court, the weight was just off. And I truly attribute Angela and her crew for getting me to that place again. Much love!!!

I filed for bankruptcy last year after months and months of contemplation. After my free consultation, I began to gather my documents. The Spalding team was patient with me as I got my paperwork together, following up with me when I would drop the ball. Angela worked with me until I was officially ready to file. On the day of the actual hearing, she was present and walked me through the process, assuring me every step of the way. I had prepared myself mentally for a stressful experience and it was far from that. It has since been a few months and my debt has been discharged. I have no complaints and have received excellent service. I received a fair price, an experienced attorney and professional team. While I am not looking to need these services again, I would recommend Angela Spalding a thousand times over.

She is extremely knowledgeable and friendly. I am very happy with everything. Angela and her team guided me in a professional manner. I highly recommend her.

Angela Spalding has been a life saver for me. Before I found her I vetted about 5 lawyers and I started to get very nervous because none of them seemed to be interested or caring or even very smart. I knew my case was complex and unique and would require someone that would work hard and get it right. When I called Angela I was so refreshed to finally meet an attorney that had a genuine interest in helping me. Angela did a fantastic job and continues to do a great job as I have questions that pop up along the way. And as an added bonus, she’s really nice! Thanks Angela for saving my life!!!

I select Spalding Law Center after I has already signed on with a national firm and was not happy with the service I received since day one, I called Spalding Law and both Angela and Steven were very comforting and down to earth there was that comfort feeling and that week I switched to them knowing that I was out of the 200.00 processing fee with that other nation wide firm I was happy with the entire process and was guided each step of the way and surprised how quickly the entire process took. I highly recommend the Spalding Law Center it was well worth the hour’s drive
Thanks

I was referred by a close friend to the Spalding Law Center and have only 1 regret, not having made the decision to file my claim sooner. During the time I was filing my claim, I felt a sense of peace, even though I was facing some heartbreaking challenges. I thank the Lord for placing Angela in my path, for she has been a source of inspiration and resource. I recommend her highly. The office environment is very comfortable and not intimidating like the downtown offices and more important the treatment you receive from Angela can not be matched. She is an amazing individual. So stop thinking about your debts and receiving negative comments from your creditors and make the decision right now to run to the Spalding Law Center before you regret not making the decision sooner like I did.

With the market the way it is and the amount of people with lost jobs in the midst of a divorce, bankruptcy has been an option that I have recommended to some of my clients. Everyone is suffering financially, so don’t let creditors bully you into thinking that you are a deadbeat. I have recommended some clients and even colleagues to consult with Angela Spalding at Spalding Law Center. Angela is down to earth and knows bankruptcy law. The point of bankruptcy is not to embarrass or humiliate, it is to give you a fresh start when there is just no way of getting your head above water otherwise. Some things to note (much to the dismay of other attorneys with large student loan debt) student loans cannot be discharged at this time, you do NOT have to give up all of your assets — e.g., your home — and if you can prove that you can afford to stay in the home, you can keep it. You can work out settlements with your auto loan provider to be able to buy out of current obligations rather than walking away from any equity. It’s not an easy fix… but if you are at the point where you are considering bankruptcy, do yourself a favor and go and see Angela to get a clear picture of whether bankruptcy is right for you and what kind of relief you can expect in filing. Anyone I have sent to Angela has told me that they came out of there feeling like they finally had a plan for the future and that they were no longer afraid to answer their phone.