My wife and I do not recommend this lawyer for bankruptcy. We retained her, gave her all the information needed, we were making our payments so she can us filed and just out of the blue she dropped us as clients, her reason was her work load was too big and she gave us 2 referrals which we did not use as we found a really good one, she did reimburse our money minus the $200 for consultation. PLEASE PLEASE PLEASE save your self from trying to use Wendy Owens as your attorney, there are better ones out there.