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Mr. Inserra offered a free initial consultation to all new clients. I was unsure whether or not I needed to file bankruptcy but after talking with Mr. Inserra I left feeling like a weight had been lifted from my shoulders. During the whole process he and his staff were friendly and knowledgeable. I now have a fresh start and am trying to rebuild my credit. I would recommend this law firm to anyone who is looking for a fresh start.
I hired Attorney Inserra to file a bankruptcy. I was unsure how the whole procedure worked so he and his staff walked me through the entire process. I eventually filed a Chapter 13 bankruptcy which was completed and I am now able to start rebuilding my credit. It was wonderful working with them. I wouldn't hesitate to recommend his services to my family and friends.
Mr. Inserra was retained to file a bankruptcy in NY state for us. We had explained repeatedly how years ago, we had to file bankruptcy and our vehicle was never reaffirmed. They assured us they would take care of it. Prior to filing bankruptcy, we did a loan modification to lower our payments for 6 months, to allow us to save some money to move from NY to CA, as my active duty husband was being medically discharged. We told Mr. Inserra's office this before filing. We contacted Mr. Inserra's office every month to find out when the paperwork would come in to sign to reaffirm our 2007 Chrysler Pacifica, so that we could keep the vehicle. They told us that they would call Santander, the finance company, and find out where the paperwork was. They said this every month. We also called Santander to request the paperwork be sent every month. They told us they emailed it on May 11, 2012. Mr. Inserra's office received the paperwork, but said they did not at first. Our bankruptcy was discharged May 14th, which made it too late to reaffirm the loan. When I contacted Mr. Inserra's office, he said they contacted them via email and mail, but had not called the company, and that with our modified payments, we wouldn't have been eligible for a reaffirmation, which was not what they told us. Santander, upon receiving notice of our bankruptcy and desire to reaffirm the loan, canceled our modification of payments, but did not notify us, as all communication had to be done through the attorney's office. Had Mr. Inserra's office called them, they would have been told this so that we couldve made the full payments, and the reaffirmation could have been completed.
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