I worked with Scott on an emotionally draining, difficult case. He was responsive, straightforward, clear, helpful, and entirely professional. He did what he could to follow through, he kept me updated as needed, and he was humane when he had to share information I didn't want to hear. He did the best he could to advocate for me and represent me, despite dismal circumstances. It's rare to find a lawyer who's honest, decent, ethical, prompt and who you know is absolutely "on your side". He genuinely cares. I feel fortunate that two friends recommended Scott to me; they knew him and/or worked with him. Thank you, Scott.

I was sued by a private student loan lender who had previously refused to negotiate an affordable monthly payment on my loan. Even though I was working full-time, I simply could not afford to make the minimum monthly payment they were asking for and they would not accept what I could pay. I fell behind in payments, my credit was damaged, the credit of my co-signer was damaged and I was overwhelmed with stress. Scott helped me tremendously. Ciolek LTD. agreed to an affordable monthly payment for services and defended me in court. They were kind and professional and completely non-judgmental. They responded to all of my inquiries in a timely manner. And they won the suit. This was truly a David and Goliath story. I highly recommend Scott Ciolek and his team.

Scott walked down a very confusing and scary path with me and changed the experience from one of the most negative in my life to one that was tolerable and over quickly. He knows more about how to use the law to his client's benefit than any other attorney I have ever met. His confidence was contageous and his humor took the edge off of some very tense moments for me. I would recommend Scott and his team to anyone who wants a legal powerhouse in their corner and I'm very willing to stand behind this recommendation by offering to speak in greater detail to anyone who want to know more about my experience with him.

My wife and I hired Mr. Ciolek to file a Chapter 7 bankruptcy for us. It was an embarrassing situation to be in but he made us feel comfortable discussing our financial situation with him... The entire process was less stressful because his office kept us updated and prepared us for each step. I'd recommend him to anyone in financial distress!

I worked with Scott on an emotionally draining, difficult case. He was responsive, straightforward, clear, helpful, and entirely professional. He did what he could to follow through, he kept me updated as needed, and he was humane when he had to share information I didn't want to hear. He did the best he could to advocate for me and represent me, despite dismal circumstances. It's rare to find a lawyer who's honest, decent, ethical, prompt and who you know is absolutely "on your side". He genuinely cares. I feel fortunate that two friends recommended Scott to me; they knew him and/or worked with him. Thank you, Scott.

I was sued by a private student loan lender who had previously refused to negotiate an affordable monthly payment on my loan. Even though I was working full-time, I simply could not afford to make the minimum monthly payment they were asking for and they would not accept what I could pay. I fell behind in payments, my credit was damaged, the credit of my co-signer was damaged and I was overwhelmed with stress. Scott helped me tremendously. Ciolek LTD. agreed to an affordable monthly payment for services and defended me in court. They were kind and professional and completely non-judgmental. They responded to all of my inquiries in a timely manner. And they won the suit. This was truly a David and Goliath story. I highly recommend Scott Ciolek and his team.

Scott walked down a very confusing and scary path with me and changed the experience from one of the most negative in my life to one that was tolerable and over quickly. He knows more about how to use the law to his client's benefit than any other attorney I have ever met. His confidence was contageous and his humor took the edge off of some very tense moments for me. I would recommend Scott and his team to anyone who wants a legal powerhouse in their corner and I'm very willing to stand behind this recommendation by offering to speak in greater detail to anyone who want to know more about my experience with him.

My wife and I hired Mr. Ciolek to file a Chapter 7 bankruptcy for us. It was an embarrassing situation to be in but he made us feel comfortable discussing our financial situation with him... The entire process was less stressful because his office kept us updated and prepared us for each step. I'd recommend him to anyone in financial distress!

I worked with Scott on an emotionally draining, difficult case. He was responsive, straightforward, clear, helpful, and entirely professional. He did what he could to follow through, he kept me updated as needed, and he was humane when he had to share information I didn't want to hear. He did the best he could to advocate for me and represent me, despite dismal circumstances. It's rare to find a lawyer who's honest, decent, ethical, prompt and who you know is absolutely "on your side". He genuinely cares. I feel fortunate that two friends recommended Scott to me; they knew him and/or worked with him. Thank you, Scott.

I was sued by a private student loan lender who had previously refused to negotiate an affordable monthly payment on my loan. Even though I was working full-time, I simply could not afford to make the minimum monthly payment they were asking for and they would not accept what I could pay. I fell behind in payments, my credit was damaged, the credit of my co-signer was damaged and I was overwhelmed with stress. Scott helped me tremendously. Ciolek LTD. agreed to an affordable monthly payment for services and defended me in court. They were kind and professional and completely non-judgmental. They responded to all of my inquiries in a timely manner. And they won the suit. This was truly a David and Goliath story. I highly recommend Scott Ciolek and his team.

Scott walked down a very confusing and scary path with me and changed the experience from one of the most negative in my life to one that was tolerable and over quickly. He knows more about how to use the law to his client's benefit than any other attorney I have ever met. His confidence was contageous and his humor took the edge off of some very tense moments for me. I would recommend Scott and his team to anyone who wants a legal powerhouse in their corner and I'm very willing to stand behind this recommendation by offering to speak in greater detail to anyone who want to know more about my experience with him.

My wife and I hired Mr. Ciolek to file a Chapter 7 bankruptcy for us. It was an embarrassing situation to be in but he made us feel comfortable discussing our financial situation with him... The entire process was less stressful because his office kept us updated and prepared us for each step. I'd recommend him to anyone in financial distress!

I worked with Scott on an emotionally draining, difficult case. He was responsive, straightforward, clear, helpful, and entirely professional. He did what he could to follow through, he kept me updated as needed, and he was humane when he had to share information I didn't want to hear. He did the best he could to advocate for me and represent me, despite dismal circumstances. It's rare to find a lawyer who's honest, decent, ethical, prompt and who you know is absolutely "on your side". He genuinely cares. I feel fortunate that two friends recommended Scott to me; they knew him and/or worked with him. Thank you, Scott.

I was sued by a private student loan lender who had previously refused to negotiate an affordable monthly payment on my loan. Even though I was working full-time, I simply could not afford to make the minimum monthly payment they were asking for and they would not accept what I could pay. I fell behind in payments, my credit was damaged, the credit of my co-signer was damaged and I was overwhelmed with stress. Scott helped me tremendously. Ciolek LTD. agreed to an affordable monthly payment for services and defended me in court. They were kind and professional and completely non-judgmental. They responded to all of my inquiries in a timely manner. And they won the suit. This was truly a David and Goliath story. I highly recommend Scott Ciolek and his team.

Scott walked down a very confusing and scary path with me and changed the experience from one of the most negative in my life to one that was tolerable and over quickly. He knows more about how to use the law to his client's benefit than any other attorney I have ever met. His confidence was contageous and his humor took the edge off of some very tense moments for me. I would recommend Scott and his team to anyone who wants a legal powerhouse in their corner and I'm very willing to stand behind this recommendation by offering to speak in greater detail to anyone who want to know more about my experience with him.

My wife and I hired Mr. Ciolek to file a Chapter 7 bankruptcy for us. It was an embarrassing situation to be in but he made us feel comfortable discussing our financial situation with him... The entire process was less stressful because his office kept us updated and prepared us for each step. I'd recommend him to anyone in financial distress!

I worked with Scott on an emotionally draining, difficult case. He was responsive, straightforward, clear, helpful, and entirely professional. He did what he could to follow through, he kept me updated as needed, and he was humane when he had to share information I didn't want to hear. He did the best he could to advocate for me and represent me, despite dismal circumstances. It's rare to find a lawyer who's honest, decent, ethical, prompt and who you know is absolutely "on your side". He genuinely cares. I feel fortunate that two friends recommended Scott to me; they knew him and/or worked with him. Thank you, Scott.

I was sued by a private student loan lender who had previously refused to negotiate an affordable monthly payment on my loan. Even though I was working full-time, I simply could not afford to make the minimum monthly payment they were asking for and they would not accept what I could pay. I fell behind in payments, my credit was damaged, the credit of my co-signer was damaged and I was overwhelmed with stress. Scott helped me tremendously. Ciolek LTD. agreed to an affordable monthly payment for services and defended me in court. They were kind and professional and completely non-judgmental. They responded to all of my inquiries in a timely manner. And they won the suit. This was truly a David and Goliath story. I highly recommend Scott Ciolek and his team.

Scott walked down a very confusing and scary path with me and changed the experience from one of the most negative in my life to one that was tolerable and over quickly. He knows more about how to use the law to his client's benefit than any other attorney I have ever met. His confidence was contageous and his humor took the edge off of some very tense moments for me. I would recommend Scott and his team to anyone who wants a legal powerhouse in their corner and I'm very willing to stand behind this recommendation by offering to speak in greater detail to anyone who want to know more about my experience with him.

My wife and I hired Mr. Ciolek to file a Chapter 7 bankruptcy for us. It was an embarrassing situation to be in but he made us feel comfortable discussing our financial situation with him... The entire process was less stressful because his office kept us updated and prepared us for each step. I'd recommend him to anyone in financial distress!

I worked with Scott on an emotionally draining, difficult case. He was responsive, straightforward, clear, helpful, and entirely professional. He did what he could to follow through, he kept me updated as needed, and he was humane when he had to share information I didn't want to hear. He did the best he could to advocate for me and represent me, despite dismal circumstances. It's rare to find a lawyer who's honest, decent, ethical, prompt and who you know is absolutely "on your side". He genuinely cares. I feel fortunate that two friends recommended Scott to me; they knew him and/or worked with him. Thank you, Scott.

I was sued by a private student loan lender who had previously refused to negotiate an affordable monthly payment on my loan. Even though I was working full-time, I simply could not afford to make the minimum monthly payment they were asking for and they would not accept what I could pay. I fell behind in payments, my credit was damaged, the credit of my co-signer was damaged and I was overwhelmed with stress. Scott helped me tremendously. Ciolek LTD. agreed to an affordable monthly payment for services and defended me in court. They were kind and professional and completely non-judgmental. They responded to all of my inquiries in a timely manner. And they won the suit. This was truly a David and Goliath story. I highly recommend Scott Ciolek and his team.

Scott walked down a very confusing and scary path with me and changed the experience from one of the most negative in my life to one that was tolerable and over quickly. He knows more about how to use the law to his client's benefit than any other attorney I have ever met. His confidence was contageous and his humor took the edge off of some very tense moments for me. I would recommend Scott and his team to anyone who wants a legal powerhouse in their corner and I'm very willing to stand behind this recommendation by offering to speak in greater detail to anyone who want to know more about my experience with him.

My wife and I hired Mr. Ciolek to file a Chapter 7 bankruptcy for us. It was an embarrassing situation to be in but he made us feel comfortable discussing our financial situation with him... The entire process was less stressful because his office kept us updated and prepared us for each step. I'd recommend him to anyone in financial distress!

I worked with Scott on an emotionally draining, difficult case. He was responsive, straightforward, clear, helpful, and entirely professional. He did what he could to follow through, he kept me updated as needed, and he was humane when he had to share information I didn't want to hear. He did the best he could to advocate for me and represent me, despite dismal circumstances. It's rare to find a lawyer who's honest, decent, ethical, prompt and who you know is absolutely "on your side". He genuinely cares. I feel fortunate that two friends recommended Scott to me; they knew him and/or worked with him. Thank you, Scott.

I was sued by a private student loan lender who had previously refused to negotiate an affordable monthly payment on my loan. Even though I was working full-time, I simply could not afford to make the minimum monthly payment they were asking for and they would not accept what I could pay. I fell behind in payments, my credit was damaged, the credit of my co-signer was damaged and I was overwhelmed with stress. Scott helped me tremendously. Ciolek LTD. agreed to an affordable monthly payment for services and defended me in court. They were kind and professional and completely non-judgmental. They responded to all of my inquiries in a timely manner. And they won the suit. This was truly a David and Goliath story. I highly recommend Scott Ciolek and his team.

Scott walked down a very confusing and scary path with me and changed the experience from one of the most negative in my life to one that was tolerable and over quickly. He knows more about how to use the law to his client's benefit than any other attorney I have ever met. His confidence was contageous and his humor took the edge off of some very tense moments for me. I would recommend Scott and his team to anyone who wants a legal powerhouse in their corner and I'm very willing to stand behind this recommendation by offering to speak in greater detail to anyone who want to know more about my experience with him.

My wife and I hired Mr. Ciolek to file a Chapter 7 bankruptcy for us. It was an embarrassing situation to be in but he made us feel comfortable discussing our financial situation with him... The entire process was less stressful because his office kept us updated and prepared us for each step. I'd recommend him to anyone in financial distress!

I worked with Scott on an emotionally draining, difficult case. He was responsive, straightforward, clear, helpful, and entirely professional. He did what he could to follow through, he kept me updated as needed, and he was humane when he had to share information I didn't want to hear. He did the best he could to advocate for me and represent me, despite dismal circumstances. It's rare to find a lawyer who's honest, decent, ethical, prompt and who you know is absolutely "on your side". He genuinely cares. I feel fortunate that two friends recommended Scott to me; they knew him and/or worked with him. Thank you, Scott.

I was sued by a private student loan lender who had previously refused to negotiate an affordable monthly payment on my loan. Even though I was working full-time, I simply could not afford to make the minimum monthly payment they were asking for and they would not accept what I could pay. I fell behind in payments, my credit was damaged, the credit of my co-signer was damaged and I was overwhelmed with stress. Scott helped me tremendously. Ciolek LTD. agreed to an affordable monthly payment for services and defended me in court. They were kind and professional and completely non-judgmental. They responded to all of my inquiries in a timely manner. And they won the suit. This was truly a David and Goliath story. I highly recommend Scott Ciolek and his team.

Scott walked down a very confusing and scary path with me and changed the experience from one of the most negative in my life to one that was tolerable and over quickly. He knows more about how to use the law to his client's benefit than any other attorney I have ever met. His confidence was contageous and his humor took the edge off of some very tense moments for me. I would recommend Scott and his team to anyone who wants a legal powerhouse in their corner and I'm very willing to stand behind this recommendation by offering to speak in greater detail to anyone who want to know more about my experience with him.

My wife and I hired Mr. Ciolek to file a Chapter 7 bankruptcy for us. It was an embarrassing situation to be in but he made us feel comfortable discussing our financial situation with him... The entire process was less stressful because his office kept us updated and prepared us for each step. I'd recommend him to anyone in financial distress!

I worked with Scott on an emotionally draining, difficult case. He was responsive, straightforward, clear, helpful, and entirely professional. He did what he could to follow through, he kept me updated as needed, and he was humane when he had to share information I didn't want to hear. He did the best he could to advocate for me and represent me, despite dismal circumstances. It's rare to find a lawyer who's honest, decent, ethical, prompt and who you know is absolutely "on your side". He genuinely cares. I feel fortunate that two friends recommended Scott to me; they knew him and/or worked with him. Thank you, Scott.

I was sued by a private student loan lender who had previously refused to negotiate an affordable monthly payment on my loan. Even though I was working full-time, I simply could not afford to make the minimum monthly payment they were asking for and they would not accept what I could pay. I fell behind in payments, my credit was damaged, the credit of my co-signer was damaged and I was overwhelmed with stress. Scott helped me tremendously. Ciolek LTD. agreed to an affordable monthly payment for services and defended me in court. They were kind and professional and completely non-judgmental. They responded to all of my inquiries in a timely manner. And they won the suit. This was truly a David and Goliath story. I highly recommend Scott Ciolek and his team.

Scott walked down a very confusing and scary path with me and changed the experience from one of the most negative in my life to one that was tolerable and over quickly. He knows more about how to use the law to his client's benefit than any other attorney I have ever met. His confidence was contageous and his humor took the edge off of some very tense moments for me. I would recommend Scott and his team to anyone who wants a legal powerhouse in their corner and I'm very willing to stand behind this recommendation by offering to speak in greater detail to anyone who want to know more about my experience with him.

My wife and I hired Mr. Ciolek to file a Chapter 7 bankruptcy for us. It was an embarrassing situation to be in but he made us feel comfortable discussing our financial situation with him... The entire process was less stressful because his office kept us updated and prepared us for each step. I'd recommend him to anyone in financial distress!

I worked with Scott on an emotionally draining, difficult case. He was responsive, straightforward, clear, helpful, and entirely professional. He did what he could to follow through, he kept me updated as needed, and he was humane when he had to share information I didn't want to hear. He did the best he could to advocate for me and represent me, despite dismal circumstances. It's rare to find a lawyer who's honest, decent, ethical, prompt and who you know is absolutely "on your side". He genuinely cares. I feel fortunate that two friends recommended Scott to me; they knew him and/or worked with him. Thank you, Scott.

I was sued by a private student loan lender who had previously refused to negotiate an affordable monthly payment on my loan. Even though I was working full-time, I simply could not afford to make the minimum monthly payment they were asking for and they would not accept what I could pay. I fell behind in payments, my credit was damaged, the credit of my co-signer was damaged and I was overwhelmed with stress. Scott helped me tremendously. Ciolek LTD. agreed to an affordable monthly payment for services and defended me in court. They were kind and professional and completely non-judgmental. They responded to all of my inquiries in a timely manner. And they won the suit. This was truly a David and Goliath story. I highly recommend Scott Ciolek and his team.

Scott walked down a very confusing and scary path with me and changed the experience from one of the most negative in my life to one that was tolerable and over quickly. He knows more about how to use the law to his client's benefit than any other attorney I have ever met. His confidence was contageous and his humor took the edge off of some very tense moments for me. I would recommend Scott and his team to anyone who wants a legal powerhouse in their corner and I'm very willing to stand behind this recommendation by offering to speak in greater detail to anyone who want to know more about my experience with him.

My wife and I hired Mr. Ciolek to file a Chapter 7 bankruptcy for us. It was an embarrassing situation to be in but he made us feel comfortable discussing our financial situation with him... The entire process was less stressful because his office kept us updated and prepared us for each step. I'd recommend him to anyone in financial distress!

I worked with Scott on an emotionally draining, difficult case. He was responsive, straightforward, clear, helpful, and entirely professional. He did what he could to follow through, he kept me updated as needed, and he was humane when he had to share information I didn't want to hear. He did the best he could to advocate for me and represent me, despite dismal circumstances. It's rare to find a lawyer who's honest, decent, ethical, prompt and who you know is absolutely "on your side". He genuinely cares. I feel fortunate that two friends recommended Scott to me; they knew him and/or worked with him. Thank you, Scott.

I was sued by a private student loan lender who had previously refused to negotiate an affordable monthly payment on my loan. Even though I was working full-time, I simply could not afford to make the minimum monthly payment they were asking for and they would not accept what I could pay. I fell behind in payments, my credit was damaged, the credit of my co-signer was damaged and I was overwhelmed with stress. Scott helped me tremendously. Ciolek LTD. agreed to an affordable monthly payment for services and defended me in court. They were kind and professional and completely non-judgmental. They responded to all of my inquiries in a timely manner. And they won the suit. This was truly a David and Goliath story. I highly recommend Scott Ciolek and his team.

Scott walked down a very confusing and scary path with me and changed the experience from one of the most negative in my life to one that was tolerable and over quickly. He knows more about how to use the law to his client's benefit than any other attorney I have ever met. His confidence was contageous and his humor took the edge off of some very tense moments for me. I would recommend Scott and his team to anyone who wants a legal powerhouse in their corner and I'm very willing to stand behind this recommendation by offering to speak in greater detail to anyone who want to know more about my experience with him.

My wife and I hired Mr. Ciolek to file a Chapter 7 bankruptcy for us. It was an embarrassing situation to be in but he made us feel comfortable discussing our financial situation with him... The entire process was less stressful because his office kept us updated and prepared us for each step. I'd recommend him to anyone in financial distress!

I worked with Scott on an emotionally draining, difficult case. He was responsive, straightforward, clear, helpful, and entirely professional. He did what he could to follow through, he kept me updated as needed, and he was humane when he had to share information I didn't want to hear. He did the best he could to advocate for me and represent me, despite dismal circumstances. It's rare to find a lawyer who's honest, decent, ethical, prompt and who you know is absolutely "on your side". He genuinely cares. I feel fortunate that two friends recommended Scott to me; they knew him and/or worked with him. Thank you, Scott.

I was sued by a private student loan lender who had previously refused to negotiate an affordable monthly payment on my loan. Even though I was working full-time, I simply could not afford to make the minimum monthly payment they were asking for and they would not accept what I could pay. I fell behind in payments, my credit was damaged, the credit of my co-signer was damaged and I was overwhelmed with stress. Scott helped me tremendously. Ciolek LTD. agreed to an affordable monthly payment for services and defended me in court. They were kind and professional and completely non-judgmental. They responded to all of my inquiries in a timely manner. And they won the suit. This was truly a David and Goliath story. I highly recommend Scott Ciolek and his team.

Scott walked down a very confusing and scary path with me and changed the experience from one of the most negative in my life to one that was tolerable and over quickly. He knows more about how to use the law to his client's benefit than any other attorney I have ever met. His confidence was contageous and his humor took the edge off of some very tense moments for me. I would recommend Scott and his team to anyone who wants a legal powerhouse in their corner and I'm very willing to stand behind this recommendation by offering to speak in greater detail to anyone who want to know more about my experience with him.

My wife and I hired Mr. Ciolek to file a Chapter 7 bankruptcy for us. It was an embarrassing situation to be in but he made us feel comfortable discussing our financial situation with him... The entire process was less stressful because his office kept us updated and prepared us for each step. I'd recommend him to anyone in financial distress!

I worked with Scott on an emotionally draining, difficult case. He was responsive, straightforward, clear, helpful, and entirely professional. He did what he could to follow through, he kept me updated as needed, and he was humane when he had to share information I didn't want to hear. He did the best he could to advocate for me and represent me, despite dismal circumstances. It's rare to find a lawyer who's honest, decent, ethical, prompt and who you know is absolutely "on your side". He genuinely cares. I feel fortunate that two friends recommended Scott to me; they knew him and/or worked with him. Thank you, Scott.

I was sued by a private student loan lender who had previously refused to negotiate an affordable monthly payment on my loan. Even though I was working full-time, I simply could not afford to make the minimum monthly payment they were asking for and they would not accept what I could pay. I fell behind in payments, my credit was damaged, the credit of my co-signer was damaged and I was overwhelmed with stress. Scott helped me tremendously. Ciolek LTD. agreed to an affordable monthly payment for services and defended me in court. They were kind and professional and completely non-judgmental. They responded to all of my inquiries in a timely manner. And they won the suit. This was truly a David and Goliath story. I highly recommend Scott Ciolek and his team.

Scott walked down a very confusing and scary path with me and changed the experience from one of the most negative in my life to one that was tolerable and over quickly. He knows more about how to use the law to his client's benefit than any other attorney I have ever met. His confidence was contageous and his humor took the edge off of some very tense moments for me. I would recommend Scott and his team to anyone who wants a legal powerhouse in their corner and I'm very willing to stand behind this recommendation by offering to speak in greater detail to anyone who want to know more about my experience with him.

My wife and I hired Mr. Ciolek to file a Chapter 7 bankruptcy for us. It was an embarrassing situation to be in but he made us feel comfortable discussing our financial situation with him... The entire process was less stressful because his office kept us updated and prepared us for each step. I'd recommend him to anyone in financial distress!