Pinder Bueckert & Associates Inc. provides a complimentary initial consultation that will help you determine the best course of action for your family based on your financial circumstances. Your financial situation is reviewed, assessed, and discussed. We will discuss secured debt and exempt assets as well as the impact on credit ratings, creditors' rights, duties, and obligations involved in filing a bankruptcy petition or making a proposal for creditors. Joann Borkowski, Crystal Seed, and their team can help you navigate the maze of financial problems. Joann has over 30 years of experience as a Financial Counselor and Estate Administrator. Crystal has over ten-year experience as a financial counselor and an estate administrator.