Mr. Shulter is an excellent choice in attorney if you are a debtor considering bankruptcy. In the 10 + years I've not only sought his advice myself; but, refer many people to him as well, especially if they might have a complicated case. He's extremely knowledgeable but down to earth. No one wants to talk about being in debt and pursued by creditors, etc. but Joe makes you feel at ease immediately and definitely will not judge you by the situation you are in. He truly cares about his clients - not your stereotypical lawyer at all.