First off let me start by apologizing for not writing you sooner.  My sister passed away in late December, about six weeks after my brother died.  I was the sole beneficiary of my sisters estate.  It was draining cleaning up the mess in that inheritance.  On a brighter note, my second loan was reinstated at the reduced rate, thanks to you. I am current on the payments and avoiding by any means repeating the spending behavior that introduced us. I consider you more than a lawyer but a friend who really cared about my situation.  I will write again,  just to say hello, non-business related of course.

Take care of yourself and thank you very much for everything you did,