Elmira, California Bankruptcy Lawyers

Seth L. Hanson
PREMIUM

California Bankruptcy Attorney with 16 years experience

At my firm, bankruptcy is all we do. By focusing just on bankruptcy, we are able to keep our skills sharp and maintain great relationships with the local bankruptcy trustees and bankruptcy judges. Those... Read More »
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Pamela Curulewski Jackson
Claimed Lawyer Profile
Vacaville, CA Bankruptcy Attorney with 39 years experience
(707) 446-2333 409 Boyd St
Vacaville, CA 95688
Bankruptcy, Landlord Tenant and Real Estate
Loyola Law School and University of the Pacific, McGeorge School of Law
Elaine Cerveno
Claimed Lawyer Profile
Vacaville, CA Bankruptcy Lawyer with 26 years experience
(707) 646-1178 PO Box 1873
Vacaville, CA 95696
Free ConsultationBankruptcy, Business, Collections and Estate Planning
Boston University School of Law
Seth L. Hanson
Claimed Lawyer ProfileLII GoldBlawgsearchSocial Media
(707) 385-0422 1652 West Texas Street
Fairfield, CA 94533
Free ConsultationFairfield, CA Bankruptcy Attorney with 16 years experience
Bankruptcy
Brigham Young Univ J Reuben Clark LS UT
At my firm, bankruptcy is all we do. By focusing just on bankruptcy, we are able to keep our skills sharp and maintain great relationships with the local bankruptcy trustees and bankruptcy judges. Those relationships are extremely important when choosing a bankruptcy attorney.

I have been practicing law since 2001 and opened my own bankruptcy law firm in 2006. I have filed over 1,400 bankruptcy cases and have counseled with thousands of individuals about Chapter 7 and Chapter 13 bankruptcy. My firm colleagues and I work very hard to ensure that each bankruptcy client is treated with...
(916) 780-7005 1024 Iron Point Road
Folsom, CA 95630
(916) 780-7005 9245 Laguna Springs Dr. #200
Elk Grove, CA 95758
(209) 438-4990 5250 Claremont Avenue
Stockton, CA 95207
(916) 780-7005 2400 Professional Drive
Suite 100
Roseville, CA 95661
(209) 438-4990 1300 H Street
Modesto, CA 95354
(916) 571-9231 980 9th Street, 16th Floor
Sacramento, CA 95814
(530) 797-4402 1223 High Street
Auburn, CA 95603
Stephen Reynolds
Claimed Lawyer Profile
Davis, CA Bankruptcy Lawyer with 27 years experience
(530) 297-5030 424 2nd St
Davis, CA 95616
Free ConsultationBankruptcy
University of California - Davis
Representation of debtors, creditors and trustees in bankruptcy court since 1990.
Matthew Smith
Claimed Lawyer Profile
Fairfield, CA Bankruptcy Attorney with 14 years experience
(707) 425-1415 710 Missouri Street
Fairfield, CA 94533
Bankruptcy, Business, Collections and Family
McGeorge School of Law Univ of the Pacific
Michele Poteracke
Claimed Lawyer Profile
Fairfield, CA Bankruptcy Lawyer with 29 years experience
(707) 571-1109 550 Webster Street, Suite 3
Fairfield, CA 94533
Bankruptcy and Family
McGeorge School of Law Univ of the Pacific
Vacaville, CA Bankruptcy Lawyer with 22 years experience
(707) 448-3310 2601 Nut Tree Rd
Vacaville, CA 95687
Bankruptcy
McGeorge School of Law Univ of the Pacific
Davis, CA Bankruptcy Attorney with 44 years experience
(530) 753-4445 430 D St
Davis, CA 95616
Bankruptcy, Estate Planning and Personal Injury
McGeorge School of Law Univ of the Pacific
Fairfield, CA Bankruptcy Lawyer with 31 years experience
(707) 423-7254 817 Missouri St
Fairfield, CA 94533
Bankruptcy, Divorce and Family
Golden Gate Univ School of Law
Davis, CA Bankruptcy Lawyer with 40 years experience
(530) 756-1265 803 2nd St
Davis, CA 95616
Bankruptcy, Divorce and Family
Fairfield, CA Bankruptcy Attorney with 20 years experience
(707) 422-5411 2300 Boynton Ave
Fairfield, CA 94533
Bankruptcy, Divorce, Family and Personal Injury
Univ of Nebraska COL
Fairfield, CA Bankruptcy Attorney with 42 years experience
(707) 429-1990 1319 Travis Blvd
Fairfield, CA 94533
Bankruptcy and Estate Planning
John F Kennedy Univ School of Law
Fairfield, CA Bankruptcy Lawyer with 39 years experience
(925) 932-7086 1652 West Texas Street
Fairfield, CA 94533
Bankruptcy and Business
Univ of Wisconsin Law School
Manuel Alzamora Juarez
Claimed Lawyer ProfileQ&ASocial Media
Berkeley, CA Bankruptcy Lawyer with 19 years experience
(510) 206-4492 2143 Cedar St., Suite 200
Berkeley, CA 94709
Free ConsultationBankruptcy, Landlord Tenant and Personal Injury
University of San Francisco School of Law
Manuel A. Juarez is a Tenant Rights lawyer in the Bay Area. He focuses his practice in defending tenants faced with housing problems, warranty of habitability and retaliatory evictions.

If you are faced with a landlord resistance to improving housing issues, such as:
Lack of heater
Leaky showers
Leaky roof
Toxic Mold
Bathroom problems
Faulty wiring
Bed bugs
No hot water
Rat Infestation
Cockroach Infestation
Apartment fires
House fires
Flea Infestation
Toilet Malfunction
Sewer problems

In 1999, Mr. Juarez founded The Law Offices of Manuel A. Juarez. Since then, Mr. Juarez has represented numerous high-profile clients in State and Federal Courts. Mr. Juarez treats every client with respect and integrity and approaches every client...
Julie S Levy
Claimed Lawyer ProfileSocial Media
Santa Rosa, CA Bankruptcy Attorney with 10 years experience
(707) 523-1515 100 Stony Point Road
Suite 265
Santa Rosa, CA 95401
Free ConsultationBankruptcy, Estate Planning, Family and Personal Injury
Empire College School of Law
Julie S. Levy and Zachary A. Carroll have practiced law since 2008 in solo practices. In 2009, they began sharing an office and collaborating on certain cases. This duo has turned their collaboration into Levy Carroll Law and as strong litigators, they provide a strong and determined focus for fair outcomes in their client's cases. Choose Levy Carroll Law for their strong, honest, caring representation for bankruptcy, divorce, custody, guardianship, or personal injury. Look no further as you have found a team that has your best interests at heart
Lindsay R. Torgerson
Claimed Lawyer ProfileSocial Media
Napa, CA Bankruptcy Attorney with 9 years experience
(707) 669-0841 2045 Jefferson St, Ste E
Napa, CA 94559
Free ConsultationBankruptcy, Divorce and Family
William Howard Taft University
Family Law services including divorce, child custody, visitation, and support matters in Sonoma, Marin, Lake, Mendocino, and Napa Counties. Low cost bankruptcy lawyer filing chapter 7 and chapter 13 bankruptcy for individuals and small businesses in Santa Rosa, Ukiah, Napa and the surrounding areas. Check out client testimonials on our website www.winecountryfamilylaw.com
(707) 669-0841 2800 Cleveland Ave, Ste D
Santa Rosa, CA 95403
(707) 669-0841 390 W Standley St, Ste 2
Ukiah, CA 95482
Pauldeep Bains
Claimed Lawyer ProfileSocial Media
Sacramento, CA Bankruptcy Attorney with 8 years experience
(916) 800-7690 180 Promenade Circle
Suite 300
Sacramento, CA 95834
Free ConsultationBankruptcy
Thomas Jefferson School of Law
Sacramento Bankruptcy Lawyer was formed by local Sacramento bankruptcy attorney Pauldeep Bains with the specific intent of delivering impeccable personal service to all clients while utilizing a streamlined process to promote efficiency and a stress-free atmosphere. When contacting Sacramento Bankruptcy Lawyer, you will deal directly with Mr. Bains from the initial consultation all the way through the completion of your Bankruptcy case. Your case will not be handed off to a paralegal or staff member at any point during your case. Mr. Bains’ philosophy is to provide a personalized, hands-on attorney-client relationship in a detailed, logical, and respectful manner. ...
(916) 800-1406 915 Highland Pointe Dr
Ste 250
Roseville, CA 95678
Gary Ray Fraley
Claimed Lawyer ProfileSocial Media
Sacramento, CA Bankruptcy Lawyer with 40 years experience
(800) 675-1005 1401 El Camino Ave
Suite 370
Sacramento, CA 95815
Free ConsultationBankruptcy
UCLA School of Law
I am California State Bar CERTIFIED Bankruptcy Law Specialist with a Perfect 10.0 Avvo Rating. I give a FREE credit rebuilding educational program for all my Chapter 7 Bankruptcy Clients ($1,000 value.) No other attorney does that for free. I have been helping clients just like you solve their debt problems for 37 years. I will give you a Free 1 hour bankruptcy attorney consultation. You will get real, usable information about ALL your options and answers to all your questions, without the high pressure sales pitch. My fees are reasonable and are based on...
Reno F.R. Fernandez III
Claimed Lawyer ProfileQ&ASocial Media
San Francisco, CA Bankruptcy Lawyer with 10 years experience
(415) 362-0449 221 Sansome Street
San Francisco, CA 94104
Bankruptcy and Business
Golden Gate University School of Law
Macdonald Fernandez LLP focuses on business bankruptcy, reorganization and commercial litigation, including receiverships and assignments for the benefit of creditors, throughout California and pro hac vice in Delaware, the Southern District of New York. – Our clients range from enterprises with assets or amounts in controversy exceeding $100 million to small businesses, including technology companies, biotechnology companies, startups, Bitcoin-based companies, mortgage funds, national and regional banks, retail chains, medical clinics, residential care facilities for the elderly, farms, wineries, restaurants, churches, real estate developers and manufacturers. – In one example, we imposed a receivership over an operating almond reprocessing...
Sally J. Elkington
Claimed Lawyer ProfileQ&ASocial Media
Oakland, CA Bankruptcy Lawyer with 28 years experience
(510) 465-0404 409 13th street, 10th Floor
The Historic Tribune Tower
Oakland, CA 94612
Free ConsultationBankruptcy
New College School of Law of California
Sally Elkington and James Shepherd are partners at Elkington Shepherd LLP. We file chapters 7, 11, and 13 bankruptcies. We represent Creditors on a case by case basis. We prosecute and defend lawsuits that are filed in Bankruptcy Court. Both of us are "hands on" attorneys. You will deal with us directly on your matter. Between the two of us we have over 40 years of bankruptcy experience. Our office is located in downtown Oakland with ample parking and 1/2 block from BART. Remember, Bankruptcy is not an end, it is a...
Jen Grondahl Lee
Claimed Lawyer ProfileSocial Media
San Ramon, CA Bankruptcy Attorney with 7 years experience
(925) 586-6738 111 Deerwood Road
Suite 200
San Ramon, CA 94583
Bankruptcy, Consumer and Military
University of Richmond School of Law
Mr. Richard C Koman
Claimed Lawyer ProfileQ&ABlawgsearchSocial Media
Santa Rosa, CA Bankruptcy Lawyer with 9 years experience
(707) 544-5354 703 2nd Street
Suite 320
Santa Rosa, CA 95404
Free ConsultationBusiness, Landlord Tenant and Personal Injury
Empire College Law School and The George Washington University Law School
Quite simply, we are creating a different kind of litigation experience. We view a plaintiff’s lawsuit as a life-changing and healing experience. Because to be victimized in your own home, or injured in a car crash, or having your body hurt by a doctor you trusted, or being sexually abused by an employer, or even just being betrayed by a business partner … these are events with deep impacts.

In each case, a wrongdoer thrust an unwanted change at you. They created a deep hole and threw you in. Doctors may never make you completely better. Therapists may never completely heal...
Adam David Garcia
Claimed Lawyer ProfileSocial Media
Sacramento, CA Bankruptcy Lawyer with 5 years experience
(916) 596-1018 4050 Truxel Road # C
Sacramento, CA 95834
Free ConsultationBankruptcy
James E. Rogers College of Law, University of Arizona
Adam Garcia is a bankruptcy attorney at Sacramento Law Group LLP. He represents individuals in Chapter 7 & Chapter 13 bankruptcy in Sacramento, Roseville, Santa Rosa, and Stockton. Adam Garcia helps individuals eliminate debt in chapter 7 bankruptcy & consolidate debt in chapter 13 bankruptcy.
Robert B. Kaplan
Claimed Lawyer ProfileBlawgsearchSocial Media
San Francisco, CA Bankruptcy Lawyer
(415) 984-9673 2 Embarcadero Center
5th Floor
San Francisco, CA 94111
Business
Golden Gate University School of Law
Bennett G. Young
Claimed Lawyer ProfileSocial Media
San Francisco, CA Bankruptcy Attorney with 36 years experience
(415) 984-9626 2 Embarcadero Center
5th Floor
San Francisco, CA 94111
Business
University of California - Hastings College of the Law
Eric Vincent Wood
Claimed Lawyer ProfileSocial Media
Antioch, CA Bankruptcy Attorney with 3 years experience
(925) 278-6680 5179 Lone Tree Way
Antioch, CA 94531
Free ConsultationBankruptcy
John F. Kennedy University
Mr. Wood began his legal career with the view of developing a personally rewarding practice by working directly with individuals and families. He draws upon his financial background to apply creative approaches to complex Bankruptcy issues. Mr. Wood currently provides Chapter 7 and Chapter 13 services to his clients. Prior to establishing his firm, Mr. Wood worked at a prominate Bankruptcy Law Firm counseling clients in the areas of Chapter 7 and Chapter 13 Bankruptcy and in Consumer Litigation. Mr. Wood has also worked as a project manager for Morgan Stanley Capital International and in portfolio management at Mellon...
(510) 978-4150 1300 Clay Street, Suite 600
Oakland, CA 94612
(510) 978-4150 3150 Hilltop Mall Rd.
Richmond, CA 94806
(510) 978-4150 7100 Stevenson Blvd.
Fremont, CA 94538
(925) 278-6680 11501 Dublin Blvd., #200
Dublin, CA 94568
(925) 278-6680 1501 N Broadway #261
Walnut Creek, CA 94596
Christine Ann Pham
Claimed Lawyer Profile
San Francisco, CA Bankruptcy Lawyer with 14 years experience
(415) 273-9220 388 Market Street, Suite 1300
San Francisco, CA 94111
Free ConsultationBankruptcy, Divorce, Domestic Violence and Family
Southwestern University School of Law
Christine Pham is a San Francisco, Bay Area native with over 10 years of litigation experience. She now focuses her practice on helping families and couples in a range of matters, including child custody and support, spousal support (alimony, guardianship, dissolution of marriage (divorce), legal separation, and division of property.

Christine is also dedicated to helping individuals throughout the Bay Area gain their financial freedom through filing Chapter 7 or Chapter 13 bankruptcy. In the past, she was the managing attorney of the San Francisco, Oakland, San Jose, Sacramento, Fairfield and Stockton offices of the nation’s largest consumer bankruptcy...
Matthew G. Grech
Claimed Lawyer ProfileSocial Media
Oakland, CA Bankruptcy Lawyer with 10 years experience
(510) 270-5602 1300 Clay St.
Suite 600
Oakland, CA 94612
Free ConsultationBankruptcy, Business, Estate Planning and Probate
St. Thomas University School of Law
As an attorney, Matthew Grech began his career as a civil litigator. From there Mr. Grech transitioned into estate planning and probate & estate administration. As an estate planning/administration attorney Mr. Grech has assisted numerous clients manage trust and estate administrations from inception to closing, as well as guiding and facilitating the planning process. It was during this time that Mr. Grech realized that a number of his clients’ family members and friends were facing mounting financial troubles in the wake of The Great Recession. It was this realization that motivated Mr. Grech to begin practicing bankruptcy law, which...
(650) 743-2548 2000 Broadway St.
Suite 231
Redwood City, CA 94063
(408) 214-0385 111 North Market St.
Suite 300
San Jose, CA 95113
Robert Chang
Claimed Lawyer ProfileSocial Media
Oakland, CA Bankruptcy Lawyer with 6 years experience
(510) 388-4866 1300 Clay Street, Ste. 600
Oakland, CA 94612
Free ConsultationBankruptcy, Divorce, Family and Traffic Tickets
Thomas Jefferson School of Law
I started my practice with the premise I would always attempt to facilitate a collaborative divorce. Before going to law school, I worked for several years at a family law firm, and saw firsthand the potential of increasing acrimony between spouses when the court system is used haphazardly. Growing up with separated parents, I think I understand the stress and frustration of a long drawn out family divorce. The courts should be a place of last resort - who wants a Judge who barely knows you to make decisions for you? That being...
(510) 388-4866 2016 Lewelling Blvd
San Leandro, CA 94579
(510) 388-4866 1120 E. 14th Street
Ste. F
San Leandro, CA 94577
Nicolas De Lancie
Claimed Lawyer ProfileSocial Media
San Francisco, CA Bankruptcy Lawyer
(415) 984-9675 2 Embarcadero Center
5th Floor
San Francisco, CA 94111
Business
University of California - Davis
Thomas Philip Kelly III
Claimed Lawyer ProfileSocial Media
Santa Rosa, CA Bankruptcy Attorney with 13 years experience
(707) 545-8700 50 Old Courthouse Square
Suite 609
Santa Rosa, CA 95404-4926
Free ConsultationBankruptcy, Appeals, Business and Consumer
Seattle University School of Law
I handle bankruptcy cases, as well as litigation in state court, federal court, and the bankruptcy court. My practice is based in Sonoma County, but I also represent clients in the counties of Napa, Mendocino, Lake, and Marin. The majority of my practice is focused on matters that require extensive litigation and trials, with a particular focus on consumer financial issues, including wrongful foreclosures and debt collection practices. I am a native of Santa Rosa, and I practice with my father, Thomas P. Kelly Jr., who has been an attorney in Sonoma County for more than forty years....
Scott Jordan
Claimed Lawyer ProfileQ&ASocial Media
San Ramon, CA Bankruptcy Lawyer with 11 years experience
(925) 362-3598 18 Crow Canyon Court
Suite 280
San Ramon, CA 94583
Free ConsultationBankruptcy, Collections, Estate Planning and Probate
University of Southern California Gould School of Law
I represent individuals and small to medium sized businesses in bankruptcy, foreclosure defense and debt consolidation matters. For individuals, I represent clients in Chapter 7 and Chapter 13 bankruptcy proceedings, including adversary proceedings, including 2nd home mortgage lien stripping, redemption of vehicles and student loan reductions. For businesses, I provide services related to the winding down of a business, board and management consultations and bankruptcy debt consolidation in Chapter 11. In conjunction with my bankruptcy practice, I also provide estate planning, probate and trust administration representation. The best way to avoid probate is to plan properly by drafting...
Michael A. Hackard
Claimed Lawyer ProfileSocial Media
Mather, CA Bankruptcy Lawyer with 42 years experience
10630 Mather Blvd.
Mather, CA 95655
Bankruptcy, Business, Estate Planning and Probate
University of the Pacific, McGeorge School of Law
Michael A. Hackard. Michael A. Hackard is the principal attorney of Hackard Law Corporation - a Sacramento, California firm which represents wealthy families with extensive business interests as well as clients impoverished by the wrongdoing of others. Dedicated to clients. Hackard Law Corporation’s work also includes the representation of individuals, partnerships, limited liability companies, trustees and corporations involved in residential and commercial real estate development, homebuilding companies, construction businesses, general commercial real estate, and general commercial enterprises.The lawyers at Hackard Law also focus on civil and bankruptcy litigation, fiduciary litigation, will contests, trust contests, trust decanting, beneficiary rights, probate administration,...
Greg Hartman
Claimed Lawyer ProfileSocial Media
Oakland, CA Bankruptcy Lawyer with 10 years experience
(510) 227-5325 1300 Clay St.
Suite 600
Oakland, CA 94612
Free ConsultationBankruptcy, Business and Real Estate
Santa Clara University School of Law
Gregory S. Hartman is an attorney, CPA, and Certified Insolvency & Restructuring Advisor (credential pending). Mr. Hartman's practice involves representing both debtors and creditors in bankruptcy proceedings. He has expertise in chapter 11 businesses reorganization. Prior to starting Hartman Bankruptcy Law, Mr. Hartman represented secured creditors and trustees in bankruptcy cases. Mr. Hartman also worked for the United States Trustee's Office where he worked in an oversight role of chapter 11 cases and trustee administration. Mr. Hartman is a long-time resident of the Bay Area, living in the East Bay with his wife...
Michael Rinne
Claimed Lawyer ProfileSocial Media
Pleasant Hill, CA Bankruptcy Lawyer with 15 years experience
(800) 303-2964 3478 Buskirk Ave.
Suite 1000
Pleasant Hill, CA 94523
Free ConsultationBankruptcy, Energy, Foreclosure Defense and International
Golden Gate University and Eberhard-Karls-University Tuebingen
Scott Dale Mitchell
Claimed Lawyer ProfileSocial Media
Stockton, CA Bankruptcy Attorney with 13 years experience
(209) 529-7406 20 North Sutter
Suite 202
Stockton, CA 95202
Free ConsultationBankruptcy, Criminal, DUI and Divorce
Humphrey's Coll School of Law
Scott Mitchell is highly experienced in a wide range of legal matters, including bankruptcy, personal injury, criminal defense, and divorce. He has handled thousands of cases, developing an in-depth knowledge and a nuanced understanding of many areas of the law. Nothing substitutes real-world experience and proven knowledge, and with Attorney Mitchell, you have access to a seasoned attorney who knows the ins and outs of many state and federal courts. He works hard for his clients in order to get the right results. If you would like to see how Attorney Mitchell can help you, call for a FREE consultation.
(209) 529-7406 1231 8th Street
Suite 650
Modesto, CA 95354
Mikalah Raymond Liviakis
Claimed Lawyer ProfileSocial Media
Sacramento, CA Bankruptcy Lawyer with 10 years experience
(916) 459-2364 1215 K Street
Sacramento, CA 95814
Free ConsultationBankruptcy and Foreclosure Defense
University of the Pacific, McGeorge School of Law
I have been helping Californians keep their homes while reducing their credit card debt since 2008. I am confident that our firm can solve most mortgage, credit card, and medical debt problems. We specialize in bankruptcy, including chapter 13, chapter 7, and chapter 11. But we also offer alternatives to bankruptcy, such as debt settlement. We are A+ rated by the Better Business Bureau and we offer a free initial consultation. Call us today to start your new financial direction with confidence. 916-459-2364.
(916) 389-2379 2377 Gold Meadow Way
Rancho Cordova, CA 95670
Ms. Lucy Zheng
Claimed Lawyer ProfileSocial Media
Oakland, CA Bankruptcy Attorney with 5 years experience
(408) 638-7006 1300 Clay Street, Suite 600
Oakland, CA 94612
Free ConsultationBankruptcy, DUI, Divorce and Family
Loyola Law School, Los Angeles
Lucy Zheng is a California licensed attorney, experienced in individual tax debt relief, DUI law, family law, personal bankruptcy filings, and tenant evictions. Prior to forming her own practice, Lucy worked at a law firm handling multiple client cases all throughout Northern California. She witnessed the strengths and weaknesses of a larger law firm, and thus determined she could best provide her clients with the personalized attention and service that they deserve by starting her own practice. Lucy received her Bachelor of Arts degree in Political Science with an emphasis on Public Law in only 3 years, from the University of...
(408) 638-7006 800 N. 1st St., Suite 201
San Jose, CA 95112
(408) 638-7006 201 Spear Street, Suite 1100
San Francisco, CA 94105
Jeff David Hoffman
Claimed Lawyer ProfileSocial Media
Oakland, CA Bankruptcy Lawyer with 15 years experience
(510) 451-0290 825 WASHINGTON STREET, SUITE 330
Oakland, CA 94607
Free ConsultationBankruptcy and Environmental
New Coll of CA School of Law
I worked as a trucker for 20 years before I attended law school. I was motivated by a strong desire to serve the public. I graduated from a small, public-interest law school in San Francisco, where I had volunteered in the Housing Clinic that defended tenants from evictions. I am one of a very few Bay Area bankruptcy lawyers who does loan modifications through our bankruptcy court's program. I am also one of the very few who takes creditors to court when they violate bankruptcy laws and cause harm to my clients. Before bankruptcy law,...
Michael Scott Noble
Claimed Lawyer ProfileSocial Media
Sacramento, CA Bankruptcy Attorney with 24 years experience
(916) 442-4412 2017 5th Street
Sacramento, CA 95818
Free ConsultationBankruptcy and Consumer
Gonzaga Univ School of Law
Michael Noble is a Sacramento bankruptcy attorney with over 20 years experience in the local legal system. The Law Office of Michael Nobel prides itself on a client centered approach.

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