Mr. Alef, provided all the advice, counsel, information and direction that was needed. I would recommend him to friend, family, or business associates. Not only is he a good and thoughtful attorney, i found him to be direct, honest and clear in his planning our approach to a difficult situation. You can imagine my relief when we were granted a favorable decision. i feel this occurred because of the counsel received from Attorney Alef.

Mr. Alef basically saved my life,at the time i was 58 year old and was seriously in debt with no way out.i was having rick work on some other issues at the time,as he had in the past,non debt related ,and was too embarrassed to mention the jam that i had gotten myself into owing over 90k at such a late age,after speaking with him about my dire situation he offed to help( PRO BONO),i am currently 60 years old and almost debt free,other than the remaining I.R.S. debt that will be paid off in full this year.his expertise negotiated and settled 82k clear.i am disabled with limited income now and would have never been able to recover ,my hat is off to rick ,i consider him not only a professional but a friend too ,not to mention i got my life back,you really get to know a person over the years ,and recommend him highly. he is trustworthy, honest,sincere,and very professional . I welcome any reference questions tlazzz@yahoo.com.............Thomas L ....

Mr. Alef, provided all the advice, counsel, information and direction that was needed. I would recommend him to friend, family, or business associates. Not only is he a good and thoughtful attorney, i found him to be direct, honest and clear in his planning our approach to a difficult situation. You can imagine my relief when we were granted a favorable decision. i feel this occurred because of the counsel received from Attorney Alef.

Mr. Alef basically saved my life,at the time i was 58 year old and was seriously in debt with no way out.i was having rick work on some other issues at the time,as he had in the past,non debt related ,and was too embarrassed to mention the jam that i had gotten myself into owing over 90k at such a late age,after speaking with him about my dire situation he offed to help( PRO BONO),i am currently 60 years old and almost debt free,other than the remaining I.R.S. debt that will be paid off in full this year.his expertise negotiated and settled 82k clear.i am disabled with limited income now and would have never been able to recover ,my hat is off to rick ,i consider him not only a professional but a friend too ,not to mention i got my life back,you really get to know a person over the years ,and recommend him highly. he is trustworthy, honest,sincere,and very professional . I welcome any reference questions tlazzz@yahoo.com.............Thomas L ....

Mr. Alef, provided all the advice, counsel, information and direction that was needed. I would recommend him to friend, family, or business associates. Not only is he a good and thoughtful attorney, i found him to be direct, honest and clear in his planning our approach to a difficult situation. You can imagine my relief when we were granted a favorable decision. i feel this occurred because of the counsel received from Attorney Alef.

Mr. Alef basically saved my life,at the time i was 58 year old and was seriously in debt with no way out.i was having rick work on some other issues at the time,as he had in the past,non debt related ,and was too embarrassed to mention the jam that i had gotten myself into owing over 90k at such a late age,after speaking with him about my dire situation he offed to help( PRO BONO),i am currently 60 years old and almost debt free,other than the remaining I.R.S. debt that will be paid off in full this year.his expertise negotiated and settled 82k clear.i am disabled with limited income now and would have never been able to recover ,my hat is off to rick ,i consider him not only a professional but a friend too ,not to mention i got my life back,you really get to know a person over the years ,and recommend him highly. he is trustworthy, honest,sincere,and very professional . I welcome any reference questions tlazzz@yahoo.com.............Thomas L ....