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David W Brown
lapeer, MI Bankruptcy Lawyer with 27 years of experience
Free ConsultationBankruptcy and Business
Thomas M. Cooley Law School
Law Degree, MBA with honors degree in Management & Accounting & a BS degree in Accounting & Management. Also has college teaching experience in business law, management and accounting.
David is known to be very personable & good listener in working with clients and fulfilling their needs, has exceptional memory/retention/recall skills, outstanding judge/court/apposing council presentation and response skills & presents cases forcefully.
20+ years and 8,000+ cases for individuals & business with many cases before a jury and/or a judge. Strives to reduce & simply your legal issues, reduce stress and protect your rights. We serve...
Claimed Lawyer Profile
Raymond Mashni
Lapeer, MI Bankruptcy Attorney
Free ConsultationBankruptcy, Business, Consumer and Real Estate
Raymond Graduated from the University of Detroit Law School in 1993 and has been licensed to practice in Michigan State and Federal Courts ever since. He is a member of the National Association of Consumer Bankruptcy Attorneys and The American Bankruptcy Institute.
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Paul Gigliotti
Clinton Township, MI Bankruptcy Attorney with 32 years of experience
(586) 228-3636
15400 19 Mile Road Suite 115
Clinton Township, MI 48038
Free ConsultationBankruptcy
University of Detroit Mercy
PRACTICE OF BANKRUPTCY LAW SINCE 1992. Martindale-Hubbell “BV” rated. 2008 Macomb County Bar Association Pro Bono Services Award. 2008 Speaker, “Legal Forum For Seniors” Macomb Bar Association, June 5, 2008. Continuing Legal Education 2015- ABI Consumer Bankruptcy Conference (November 11, 2015). 2015-State Bar of Michigan Social Security Law Seminar (October 2, 2015). 2014-ABI Consumer Bankruptcy Conference (November 11, 2014). 2014- State Bar of Michigan Social Security Law Seminar (October 3, 2014). 2013-ABI Consumer Bankruptcy Conference (November 11, 2013). 2013- State Bar of Michigan Social Security Law Seminar (October 18, 2013)....
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Jesse R. Sweeney
Southfield, MI Bankruptcy Attorney with 24 years of experience
Free ConsultationBankruptcy
Michigan State University College of Law
President and founder Jesse R. Sweeney (pictured above), is a graduate of Michigan State University, James Madison College, and Michigan State University Law School (1999, Cum Laude). He is Certified as a bankruptcy expert through the American Board of Certification Board Certified, is a member of the American Bankruptcy Institute, and the National Association of Consumer Bankruptcy Attorneys. Additionally, he is licensed and in good standing in the State of Michigan, the Eastern District of Michigan and the Western District of Michigan and the US District Court of Colorado, . He has been practicing bankruptcy law...
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Mr Scott Marshall Neuman
Farmington Hills, MI Bankruptcy Lawyer with 31 years of experience
Free ConsultationBankruptcy
Western Michigan University Cooley Law School
Scott M. Neuman is an aggressive, experienced attorney with offices in the Lansing and Detroit Areas. He has been helping people in Michigan for over 20 years and has handled over 4,000 cases. You can reach him by calling 517-349-2700 or 1-888-684-3999, by email at xneumanx@aol.com, or via our contact form.
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Walter Metzen
Royal Oak, MI Bankruptcy Lawyer with 32 years of experience
Bankruptcy
Western Michigan University Cooley Law School and University of Detroit Mercy School of Law
Walter Metzen is a Board Certified Specialist in Consumer Bankruptcy by the American Board of Certification and represents consumer and small business debtors in bankruptcy cases in both the Eastern and Western Districts of Michigan. Mr. Metzen earned his bachelor of science degree in Forensic Science at Michigan State University and his law degree from the University of Detroit. Mr. Metzen is a member of the State Bar of Michigan, the Consumer Bankruptcy Association and the American Bankruptcy Institute and has been a guest lecturer on bankruptcy and debtor/creditor topics at the University of Detroit Mercy School of...
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Melvin J. Babi
Farmington Hills, MI Bankruptcy Lawyer with 17 years of experience
(248) 434-4110
39500 High Pointe Blvd., Ste 155
Farmington Hills, MI 48375
Free ConsultationBankruptcy, Business and Real Estate
University of Detroit Mercy School of Law
Melvin J. Babi serves as the managing partner of Babi Legal Group, P.L.L.C. where he serves as managing partner of Babi Legal Group, P.L.L.C., a respected general practice law firm in Novi, Michigan. In his private practice, Mr. Babi advises consumers and small businesses in areas including bankruptcy, foreclosure defense, debt-resolution, real estate law, business law, corporate law, contract drafting and negotiating and criminal and civil litigation. Mr. Babi has assisted thousands of clients in Chapter 7 and Chapter 13 cases, saving their homes, vehicles and other assets with strategic bankruptcy planning. He has also saved his clients...
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Edward Gudeman
Royal Oak, MI Bankruptcy Lawyer
Free ConsultationBankruptcy, Business, Real Estate and Tax
University of Michigan Law School
Gudeman & Associates, P.C. is a team of knowledgeable attorneys who assist individuals, families and businesses. For over 45 years, we have used our experience, expertise and knowledge of laws to ensure Michigan residents, their families and business are protected. Gudeman attorneys possess a comprehensive background in multiple practices including Estate Planning, Business Planning, Federal and State Taxation, Real Estate and other legal services.
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Andrew M Steiger
St. Clair Shores, MI Bankruptcy Lawyer with 15 years of experience
Free ConsultationBankruptcy and Tax
Wayne State University Law School
Michigan Tax Attorney Andrew M. Steiger focuses his tax practice on tax resolution and planning, and estate planning. If you receive a notice from the IRS or state tax authority, contact Steiger Tax Law before paying any assessments or responding to the IRS. I provide a free consultation to determine the best course of action to reduce or eliminate tax debts, penalties and interest, and respond to liens, levies and notices.
My estate planning services include drafting wills and trusts, probate administration, and tax planning. If you need an estate plan or would like a review...
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Stuart Sandweiss
Southfield, MI Bankruptcy Attorney with 24 years of experience
Bankruptcy
University of Detroit Mercy, Tulane-Albany Summer Program at McGill University and Tulane / Cardozo International Institute in Jerusalem Israel
HELPING PEOPLE FOR OVER 20 YEARS!
Stuart Sandweiss, C.P.A., Esq., President of Metro Detroit Bankruptcy Law Group and the Legal Solutions Group is passionate about the people he represents and the cases that he accepts. For the past two decades, Mr. Sandweiss has zealously represented people in a wide variety of both federal and state court litigation cases – criminal, civil, tax and probate, as well a representing consumers in a large number of bankruptcy cases and bankruptcy adversary proceedings. While some attorneys specialize in a particular practice area – Stuart Sandweiss concentrates on enforcing and/or defending his clients’ legal rights...
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Joshua Sanfield
Warren, MI Bankruptcy Lawyer with 21 years of experience
Free ConsultationBankruptcy
Michigan State University
Joshua B. Sanfield is fully committed to a philosophy of client service, excellence, proficiency, value and results. He has helped thousands of families regain peace of mind and economic stability through Chapter 7 and Chapter 13 bankruptcy relief. His approach balances personal responsibility and empowerment- helping his clients move forward to build a secure future. Since Joshua B. Sanfield concentrates on bankruptcy law, he fully comprehends the recent bankruptcy law changes and can help you file for relief under the Bankruptcy Code.
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Christopher Wayne Jones
Warren, MI Bankruptcy Lawyer with 19 years of experience
Free ConsultationBankruptcy
Michigan State University and Ave Maria School of Law
Acclaim Legal Services is a Michigan bankruptcy based law firm that specializes in:
• Debt resolution
• Foreclosure Prevention
• Chapter 13 bankruptcy for debt consolidation
• Chapter 7 bankruptcy for debt elimination
• Debt Settlement
We provide legal assistance with:
• Stopping Home Foreclosures
• Removing second mortgages or home equity loans
• IRS tax levies
• Vehicle Repossessions
• Creditor Harassment
• Overwhelming credit card and medical bills
• Judgments and Garnishments
• Credit Restoration
Our debt resolution programs are designed to repair and improve credit. We are proud members of the Better Business Bureau and have earned an A+ Rating.
We offices in: Ann Arbor, Flint, Southfield, Dearborn and Southfield, Michigan. We offer free initial consultation. Please call us...
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Mark Bredow
Bloomfield Hills, MI Bankruptcy Lawyer with 30 years of experience
(248) 795-5516
41000 Woodward Avenue
Suite 350 East
Bloomfield Hills, MI 48304
Free ConsultationBankruptcy
Wayne State University Law School
Bredow Law PLC Offers a true $0 Down Chapter 7 Bankruptcy. You can start with us today for $0. You pay only the filing fee. Low-income families may qualify for a filing fee waiver. We will help you get a free credit report and we'll pay the cost of your pre-bankruptcy credit counseling class. Legal fees start as low as $49.00, and there's no payment for up to 30 days.
I enjoy helping ordinary people seek protection from creditors both inside and outside of bankruptcy. In my 26 years in the law of debt collection...
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Michael Hollins Sr.
Flint, MI Bankruptcy Lawyer with 10 years of experience
Free ConsultationBankruptcy
Western Michigan University
Michael Hollins, Sr. is a graduate of Western Michigan University - Thomas M. Cooley Law Schol where he received his Juris Doctorate. During law school, he worked as an intern to a prominent United States District Court Judge in the 6th circuit.
Mr. Hollins is known for his friendly and professional demeanor with clients and is a strong and passionate advocate in court. To Mr. Hollins, the best part of his job is when a client walks into his office overwhelmed by their financial circumstance and then walks out of his office armed with a plan to save their home, have a...
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Robert W. Bishop
Sterling Heights, MI Bankruptcy Lawyer with 21 years of experience
Bankruptcy
Michigan State University College of Law
Attorney Robert Bishop has been a licensed attorney and a member of the State Bar of Michigan since 2003. He has practiced exclusively in the area of consumer bankruptcy law. Robert has also managed bankruptcy operations at two of the largest financial services companies involved in debt purchase and collection. He graduated with Honor from Michigan State University in 1999 with a degree in Supply Chain Management. He earned his Juris Doctorate from Michigan State University Law School in 2003, graduating Cum Laude. Robert has attended the following seminars: Consumer Bankruptcy Association Seminar 2003, New Bankruptcy...
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Thomas M. Hensel Jr.
Sterling Heights, MI Bankruptcy Attorney with 25 years of experience
(586) 939-4800
36250 Dequindre Road
Suite 410
Sterling Heights, MI 48310
Free ConsultationBankruptcy
Wayne State University
Thomas Hensel founded Hensel Law Office, PLLC, because he wanted to bring a different approach to the typically impersonal process of bankruptcy counsel in Michigan. He chose to work as a solo practitioner, directly handling every stage of his clients' cases instead of passing them off to other associate attorneys, paralegals, or secretaries. Today, Attorney Hensel serves debtors throughout Michigan, including Sterling Heights, Warren and surrounding areas.
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Rachel Sexton
Bloomfield Hills, MI Bankruptcy Lawyer with 7 years of experience
(855) 528-7329
1133 West Long Lake Rd
Suite 110
Bloomfield Hills, MI 48302
Free ConsultationBankruptcy
Western Michigan University Cooley Law School
Rachel M. Sexton has spent her entire career as an attorney representing people who find themselves in difficult financial situations. Rachel’s passion is helping people get out from underneath crushing debt and harassing creditors. She has helped hundreds of clients find solutions through bankruptcy. Whether that is saving their homes from foreclosure, getting their cars back after repossession, lowering their car payments, eliminating credit card debt, or dealing with overwhelming IRS debt. Rachel chose to practice bankruptcy because she enjoys helping people in some of the most stressful times of their lives. Rachel’s goal is to help clients move toward...
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Danny A. Kallabat
Southfield, MI Bankruptcy Lawyer with 27 years of experience
Bankruptcy
University of Detroit Mercy School of Law
I am an experienced attorney and have been practicing law for 23 years and have handled thousands of cases. I always focus on obtaining the best possible results. I am very aggressive and dedicated to client satisfaction. Last year I was named as one of Michigan's Super Lawyers.
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Randy Lee Calvin
Southfield, MI Bankruptcy Attorney with 13 years of experience
Free ConsultationBankruptcy
Regent University School of Law
Mr. Randy L. Calvin was born and raised in Dearborn, MI, and graduated from Dearborn High School. He then went on to Liberty University in Lynchburg, VA where he received a bachelor's degree in business. He attended law school at Regent University in Virginia Beach, VA. During his time there he interned at the Portsmouth Commonwealth Attorney's Office in Portsmouth, VA. He focuses his practice on Criminal Defense, Personal Injury, Bankruptcy and Social Security Disability. He has been a great advocate for all his clients. Mr. Calvin has helped clients wipe hundreds of thousands of debt through...
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Avi Adler
Southfield, MI Bankruptcy Attorney with 12 years of experience
Free ConsultationBankruptcy
Wayne State University Law School
I always knew that I wanted to use my law degree to help people in need. After moving from Toronto to Detroit, at the peak of the recession, I saw that the community of Detroit was in a real need. Hard-working people were now losing jobs and living off of credit cards just to get by. People in Detroit who could not afford medical insurance had medical bills that were piling up. These people just needed a break, a second chance, to get their life together again and start fresh. I knew then, that I wanted to commit my life...
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Lukas M. Sikorski
Livonia, MI Bankruptcy Attorney with 12 years of experience
Free ConsultationBankruptcy
Wayne State University Law School
Attorney Lukas M. Sikorski graduated from the University of Michigan - Dearborn with a bachelors degree in anthropology and a minor in psychology in 2007. Lukas also attended the Warsaw School of Economics (Szkola Glowna Handlowa) in Warsaw, Poland. After graduating, he attended Wayne State University Law School where he received his Juris Doctor. He is a member of the State Bar of Michigan and the Eastern District of Michigan. He is also a state certified small claims mediator.
Before joining The Sikorski Law Firm, Lukas spent two years working for a solo practitioner in Wayne, Michigan. He also worked a...
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Katherine R. Sikorski
Livonia, MI Bankruptcy Lawyer with 13 years of experience
Free ConsultationBankruptcy
Wayne State University Law School
Attorney Katherine R. Sikorski graduated from Michigan State University with a bachelors degree in political science. After graduating, she attended Wayne State University Law School where she received her Juris Doctor. She also earned an LLM degree in taxation. She is a member of the State Bar of Michigan, the Eastern District of Michigan, and the Northern District of Illinois. Additionally, she is a state certified small claims mediator.
Katherine spent two years working for an esteemed firm in downtown Detroit which focuses pimarily on medical malpractice defense. Since founding The Sikorski Law Firm, Katherine has focused primarily on family law....
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Tracy M Clark
Southfield, MI Bankruptcy Attorney with 25 years of experience
Free ConsultationBankruptcy
Wayne State University Law School
Tracy M. Clark is a bankruptcy attorney with the Michigan law firm of Steinberg Shapiro & Clark. Ms. Clark has been practicing bankruptcy law since 1999 in the areas of debtor and creditor rights. Ms. Clark enjoys developing solutions to the legal problems faced by financially distressed individuals and businesses and, when necessary, litigating those issues at the trial and appellate levels. Ms. Clark believes that every client deserves her full attention and takes pride in personally meeting with all of her clients and handling her cases from beginning to end. Using this approach, Ms. Clark has successfully guided numerous...
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John J. Keenan
Redford, MI Bankruptcy Lawyer with 42 years of experience
Bankruptcy and Business
University of Detroit Mercy
Established in 1982, Keenan & Austin, P.C. is a firm of Attorneys/Lawyers located in Redford Township, Michigan; serving Wayne and Oakland counties.
Attorneys, Jan Keenan and John J. Keenan, graduated from the University of Michigan (undergrad), and the University of Detroit - Mercy School of Law. Both are dedicated members of the Redford community, serving the Township in many capacities over the years as Coaches and Sponsors of Little League and RTJAA teams, serving on the Planning Commission, Zoning Board of Appeals, Downtown Development Authority, and Parks Commission, on Citizens Input Boards, and in various leadership positions with St. Valentine...
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Joseph L. Grima
Grosse Pointe Farms, MI Bankruptcy Lawyer with 33 years of experience
Free ConsultationBankruptcy
University of Detroit School of Law
I have been practicing bankruptcy law exclusively since 1991, focusing on Chapter 7 and Chapter 13 bankruptcy. Even though I have filed hundreds of bankruptcies over the past 25 plus years, I do not consider myself to be operating a "bankruptcy mill". I personally meet with each and every one of my clients and handle their case from start to finish. I have always provided free consultations to my clients, and will always continue to do so. My goal as a bankruptcy attorney is to put my clients on a sound financial footing and help rebuild...
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Kimberly Redd
Southfield, MI Bankruptcy Attorney
Free ConsultationBankruptcy and Business
The Ohio State University Michael E. Moritz College of Law and University of Michigan - Ann Arbor
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Ryan Moldovan
Lake Orion, MI Bankruptcy Lawyer with 18 years of experience
189 W. Clarkston Rd.
Suite 1
Lake Orion, MI 48362
Free ConsultationBankruptcy
Michigan State University
Ryan opened the Moldovan Law Firm, PLLC to focus exclusively on bankruptcy. He finds he is most fulfilled when representing individuals and families who are under tremendous stress from their debt burdens. Representing people who are down on their luck is very gratifying to him. Being able to achieve real life-changing results for his clients is what he loves most about his work. People find themselves looking at the prospect of bankruptcy for a variety of reasons and he enjoys helping them find the best solution to their problems, even if it doesn’t mean filing...
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Nathan Resnick
Bloomfield Hills, MI Bankruptcy Attorney with 35 years of experience
(248) 642-5400
40900 Woodward Ave
Suite 111
Bloomfield Hills, MI 48304
Free ConsultationBankruptcy, Business and Real Estate
Wayne State University
H. Nathan Resnick is the proud founding member of Resnick Law and continues to act as the managing partner. He concentrates his legal practice in complex commercial litigation, real estate, and corporate law.Nathan Resnick wears many hats while he manages the law firm and practices law. He also acts as a trustee to several trusts and manages commercial and residential properties.
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William Dale Johnson
Flint Township, MI Bankruptcy Attorney with 28 years of experience
Free ConsultationBankruptcy
Michigan State University
Acclaim Legal Services is a Michigan bankruptcy based law firm that specializes in:
• Debt resolution
• Foreclosure Prevention
• Chapter 13 bankruptcy for debt consolidation
• Chapter 7 bankruptcy for debt elimination
• Debt Settlement
We provide legal assistance with:
• Stopping Home Foreclosures
• Removing second mortgages or home equity loans
• IRS tax levies
• Vehicle Repossessions
• Creditor Harassment
• Overwhelming credit card and medical bills
• Judgments and Garnishments
• Credit Restoration
Our debt resolution programs are designed to repair and improve credit. We are proud members of the Better Business Bureau and have earned an A+ Rating.
We offices in: Ann Arbor, Flint, Southfield, Dearborn and Southfield, Michigan. We offer free initial consultation. Please call us...
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Vince Manzella
Clinton Township, MI Bankruptcy Attorney with 21 years of experience
Free ConsultationBankruptcy and Business
Wayne State University Law School
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Kevin Johnson
Mt Clemens, MI Bankruptcy Lawyer
Free ConsultationBankruptcy
University of Detroit Mercy School of Law
I take a hands on approach to my clients. When you call in to this firm, you will speak with me. You will have your questions answered by an attorney and no one else. I will never have a paralegal call you back or answer your question. I understand that filing bankruptcy, being charged with a crime, or filing for divorce can be terrifying and nerve wracking. I understand you want a straight and correct legal answer to your questions. That is why I make myself available to you. I will return you phone calls within 24 hours (right away...
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Matthew Ian Paletz
Troy, MI Bankruptcy Attorney with 21 years of experience
Bankruptcy and Real Estate
University of Detroit Mercy School of Law
Matthew I. Paletz is the Chief Executive Officer of Paletz Law. He oversees all operations of the Firm, as well as its future trajectory and growth. As CEO, he promotes the core values and spirit behind Paletz Law, and fosters its innovative culture. Matthew is also responsible for the financial and capital management of the Firm, and heads all marketing and promotional efforts. He strives to consistently ensure that the needs of his clients are met while being a leading advocate and supporter of legislative efforts on behalf of the real estate industry.
Matthew practices in the area of general civil...
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K.C. Baran
Fenton, MI Bankruptcy Attorney with 24 years of experience
Free ConsultationBankruptcy and Business
Michigan State University
K.C. Baran, P.C. was established in 2003. K.C. Baran has been practicing law for over seventeen years. His areas of practice include, bankruptcy, estate planning, civil and criminal litigation, collections, contracts, employment law, family law and corporate practice.
K.C. is a graduate of the United States Military Academy, West Point and Michigan State University College of Law, cum laude. K.C. is a member of the State Bar of Michigan and the Genesee County Bar Association. He is admitted to practice in the State of Michigan, the United States District Court for the Eastern District of Michigan, and the United States Court...
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James Rasor
Royal Oak, MI Bankruptcy Attorney with 30 years of experience
Bankruptcy and Employment
University of Detroit Mercy School of Law
After graduating the University of Detroit School of Law, James B. Rasor went on to pursue a diverse legal career. Founding Rasor Law Firm in 1994, he now offers his exceptional legal services in a wide range of practice areas. Mr. Rasor is proud to provide counsel for personal injury claims, criminal defense, and other matters in Royal Oak. He has been named in the list of Top Lawyers by DBusiness for personal injury and has taken numerous trials to verdict over the course of his career. Above all else, Mr. Rasor is committed to providing effective, caring, and personalized...
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Thomas Pascaris
Farmington, MI Bankruptcy Lawyer with 14 years of experience
Bankruptcy and Business
Western Michigan University Cooley Law School
Thomas D. Pascaris, Esq., is CEO of Pascaris Law Firm, PLLC. He received his bachelor’s in Finance, Business administration, and a minor in Political Science from the University of Michigan-Dearborn, and his Juris Doctor from Thomas M. Cooley Law School. Thomas specializes in many legal areas including Divorce, Bankruptcy, Estate Planning, and Business Formation and Transactions. Thomas holds a board seat on the City of Farmington Downtown Development Authority, and was recently selected as Dbusiness Magazine’s 30 in their 30 for 2018.
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LaChelle Logan
Redford, MI Bankruptcy Lawyer with 25 years of experience
Free ConsultationBankruptcy and Real Estate
University of Toledo
When you come to Bryant, Logan, Law Group, you can have confidence that your case can receive the attention and care it requires. It is of the utmost importance that you know where you can turn to procure the help your case calls for at this time, and a Redford bankruptcy attorney at this office will be glad to help you. Attorney LaChelle W. Logan, Esq. attended the University of Toledo, where she earned her Juris Doctorate. She obtained her Bachelor of Science degree from Michigan State University. She has a membership with the State Bar of Michigan. She also...
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Francesca A. Lousia
Warren, MI Bankruptcy Attorney with 15 years of experience
Free ConsultationBankruptcy
Wayne State University
Education: Bachelor of Arts in Philosophy, Oakland University (2004) Honors: Graduated Cum Laude; Dean’s List; Golden Key International Honour Society. Juris Doctor from Wayne State University (2008) St. Thomas More Legal Society, President Honors: Graduated Cum Laude Associations: Member, State Bar of Michigan Member, Federal Bar Association Member, Chaldean American Bar Association
Claimed Lawyer Profile
Rod L. Johnson
Livonia, MI Bankruptcy Lawyer with 16 years of experience
Free ConsultationBankruptcy, Business and Consumer
Western Michigan University Cooley Law School
Drawing on nearly 20 years of experience, Rod is committed to helping families, small businesses, and nonprofit corporations succeed by providing the best possible legal services in a timely manner and with the greatest possible attention to the details that support client success and satisfaction. Rod has been acknowledged for delivering win-win outcomes in corporate litigation. He has a history of successfully negotiating settlements based upon sound and resourceful pretrial strategies, and winning dismissals in state and federal courts and before administrative agencies. Rodâs thorough knowledge of courts, nonprofit corporations, and closely held businesses arises from...
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Ronald S. Siegel
Bingham Farms, MI Bankruptcy Lawyer with 45 years of experience
Free ConsultationBankruptcy
Cumberland School of Law, Samford University
Claimed Lawyer ProfileResponsive Law
Von Alex Karian
Bingham Farms, MI Bankruptcy Attorney
Free ConsultationBankruptcy, Business and Tax
Wayne State University Law School and New York University School of Law
Mr. Karian has represented individuals and businesses throughout the United States in complex federal and state matters, audits and appeals, income tax, payroll tax and sales tax issues.
He is a veteran attorney who is also highly proficient in bankruptcy and estate planning. Mr. Karian obtained his Master of Laws in Taxation from New York University, annually ranked as the top tax law program in the country.
Prior to entering private practice, Mr. Karian served as CEO of a large national health and wellness company. He brings unique experience that has proved invaluable to individuals, business owners and...