Malcolm Ruthven

I had a good experience working with this Attorney, who was clear and concise in providing the necessary information to complete the transaction.

Malcolm was extremely knowledgeable and professional and gave tremendous guidance to my wife and I. I highly recommend him!

Life changing health issues were the final straw in our already overwhelming financial situation. I received no help from my creditors to get me back on my feet after 30 years of excellent credit rating. I heard how difficult it is to file for bankruptcy not to mention receive discharge of debts. Malcolm Ruthven saved our home, car and life. And it was one of the easiest things I've ever had to do.

First he answered my call and told me exactly what to expect and exactly what my options were. Then, after a small retainer fee, he sent me an easy packet of forms to fill out. After sending in our information and retainer balance (which he let us make payments on), he did everything. As soon as we retained his services, he handled all debtors inquiries. After a 5 minute phone hearing with Malcolm and a judge, our case was finished. 6 weeks later, we are discharged of all debts and can begin our new lives without credit card debt. Now we can afford to maintain our health and our home. I cannot thank Malcolm enough. He made a mountain of worry disappear. Malcolm Ruthven is an honest man who helps people like us.

Malcolm walked us through this emotionally stressful and otherwise complicated process, making it simple and straightforward every step of the way. We always felt informed, supported and safe. It was very important to us to know we were making educated decisions and guided toward the right solution as we went through the process.
Thank you Malcolm!

I have no regrets when I found Mr. Malcom to handle my Bankruptcy. Not only was he an expert in Bankruptcy Law but he guided us step by step and made the process easy to understand. He worked with us around payment plans that was in line with our budget.

If you need a Bankruptcy Attorney that is knowledgeable about the Law, gives you the tools to achieve a higher credit score, be there for you post filing and discharge? Mr. Malcom is your answer!!!

Fresh Start! New Begginings!!!

I thought all this time I did a review. As one with a Juris Doctor degree and 7 years in the SFDA's office. I was a client and law knowledgeable. You don't get better advice or guidance once you hit that tough threshold of lost control of school loans and bills for college. You pick up the phone or email when you realize you aren't a bad person but many factors cause a financial wreck. Unemployment was 13% from 2009 and economy tanked. I lost it all. Today, I rebuilt my finances. I have a retirement account. A great job in law and social work. I am an author. BK with Malcolm was a launchpad! Go here. Do it. Start over don't look back!! Cheers,

Mr Malcolm Ruthven is excellent in the service he provides for bankruptcy clients & I highly recommend his services.

I could not be more satisfied with the service, guidance and expertise I received from Malcolm through this difficult time. Throughout the process, I always felt that I was in the best hands, and that took a lot of pressure off. His communication and direction were spot on, which was so important to me. I feel so grateful to have found him and would highly recommend him to anyone.

Thank you, thank you Malcolm!!

We had a wonderful experience with Malcolm Ruthven!
We couldn't have been more pleased! From the very first interaction via email to the complimentary call that he offered us, we felt a warm easy connection.

He is the kind of man you want on the other line when discussing the stressful and embarrassing topic of not being able to keep up with your bills and debt. My mom and sister and I had a complimentary call with him to explore my mom's options after having 2 aneurysms and a stroke and not being able to pay off her debts.

He felt like a deeply caring family friend who listened with great empathy and understanding. He let us speak and explain all that we wanted to share with him, and we didn't feel pressured to keep it quick. There was absolutely no sense of rush or that the clock was ticking.

He spent an entire hour on the phone with us listening, asking good questions, explaining the law and what we could expect if my mom filed for bankruptcy, and much to our delight ​ gave us great advice on how to proceed without charging us a penny or pressuring us to hire him.

When we asked how much it would cost to hire him​, he was very upfront​ about what his fees are and what it would cost to file for bankruptcy.

Malcolm said he'd be happy to hold our hand through ​the process if we chose to go down that path, but recommend that we save ourselves the money by offering up a potential free solution. He generously provided us with a form letter that he'd written and used with other clients. He explained that we could use it to send it to the creditors explaining that my mom was a senior, and was disabled due to her aneurysms and stroke and that she would not be able to pay her debts.

Did I mention that he gave us this letter GRATIS!!
An hour long call and a solution at absolutely no cost to us!! Never in my wildest dreams would I have expected this.

We not only felt the generosity of Malcolm's time and expertise ​but also felt the generosity of his heart!

We are so grateful to him!!

We will not need to hire him after all ​because he provided us with a great solution that will cost us nothing. But if my mom were to have to file for bankruptcy we'd absolutely be going to Malcolm! He is great!!

Thank you, Malcolm,​ for your kindness and being so giving of your time and heart and expertise!

Atty.Ruthven has been so great throughout my bankruptcy process which was very complicated by the way.He is very patient with all my questions and when I was getting so nervous about the process he put my mind at ease.Knowledgeable in his field, always ready to answer any questions I have. at any time of day. I highly recommend him.