5 /5 Letitia Brache: My husband and I needed help with student loans. We were no longer in a position financially (since Covid) to keep up with the monthly payments. We spoke with Rick. He said he was sure he could help. Ah, a ray of hope. We had just gone to collections. Ugh! True to his word, Rick saved us from nasty collections notices. Not only that, he was able to get us out from collections, owing nothing on several consolidated loans. On a second batch of loans, he succeeded in having the company knock down the total amount due, to such a minuscule amount, we can easily make the monthly payments. This WAS a huge stresser. A BIG debt. With Rick Cowle’s expertise, hard work and attention to detail, we avoided nasty letters, financial threats, no hit to our credit rating, and most importantly, peace of mind!!! Rick was always available for phone calls, and responded to e mails right away. He was an absolute pleasure to work with. Any question or concern answered. Giving us confidence with the process. His staff is also wonderful. As it turns out, we are going to need legal assistance again. We know with great certainty, and total trust, who to go back to for help and peace of mind. We HIGHLY recommend Rick Cowle and his staff for your legal needs.