This man is absolute scum! He was a bottom feeder and junk debt buyer until the New Jersey Bar suspended his law license. His "collection" agency had multiple lawsuits filed against it for violations of the FDCPA, trying to collect on non-existent debts or ones that were so far out of the statute of limitations the paperwork didn't exist anymore. He filed bankruptcy to avoid having to pay once his location was discovered. Do not trust him.