There with you every step of the way. Terry takes the time to assist each client personally and make sure they are prepared for each step of the bankruptcy process until discharge. During his legal career Terry has gained a broad base of knowledge that allows him to assist his clients efficiently and successfully navigate the trials and anxiety of legal proceedings. In particular, Terry has extensive experience assisting clients when their financial situation leads them to seek bankruptcy protection. Terry has represented individuals and businesses under the bankruptcy code in the following areas: Chapter 7 individual and small business filing Chapter 13 individual reorganization Chapter 11 small business reorganization Foreclosure defense Debt restructuring Adversary proceedings including discharge enforcement and student loan discharge Terry strives to provide superior customer service and one-on-one interaction throughout the process of filing for bankruptcy protection. Skeen & Kauffman provides their clients with an affordable legal experience without any reduction in quality of service with the understanding that you, as our client, are going through a very difficult financial time.