Andrew Nichols

I. My primary practice area is bankruptcy. I enjoy representing families and individuals in obtaining a new financial future. Consumer bankruptcy is my passion. I BELIEVE IN IT! The biggest myth I wish to dispel is that bankruptcy is immoral. Not to get preachy but a thorough reading of the Bible and Torah reveals that the "laws" Moses delivered to the ancient Hebrews extended far beyond the Ten Commandments. All debts were to be canceled every seven years including indentured servitude. In Islamic Law the charging of interest is forbidden. Therefore, from my assessment bankruptcy is clearly not dishonorable. I BELIEVE A FINANCIAL INSTITUTION IMPOSING AN ANNUAL INTEREST RATE OF 18% TO 24% IS DISHONORABLE. The positive financial and emotional results of families filing for and obtaining bankruptcy relief cannot be overstated. Clients have told me that the hardest part of the process is the decision to call the attorney; the decision to begin. I am automated and equipped to prepare and file bankruptcies in the following locations: Dallas Houston Memphis Minneapolis Metro New Orleans Omaha/Council Bluffs Philadelphia St Louis Metro (includes IL) Salt Lake City I maintain offices in Dallas and Minneapolis and I will fly to any of the above locations and meet with you personally. Or, for a reduced fee I will conference with you via phone and email. II. In addition, I have developed a specialized practice devoted to securities and syndication issues relating to oil and gas ventures and various limited partnerships. I offer an inexpensive fee structure for preparation of Private Placement Memorandum and Blue Sky compliance.