met with mike 1-25-17, a soothing , genuine person to help you, my second dealing with cowan-kelly I was there for what I thought might be a larger problem, mike looked over the facts in his office, and thought a better way for me was letters to creditors to clear up misinformation on me, saved a ton for me, this is why I chose cowan and Kelley, straight shooters totally cash register honest to all the serve, I love this firm, cant say enough good, thanks mike , bill b fairless hills pa.