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Mr. Michael A. Ziegler
Gainesville, FL Bankruptcy Attorney with 14 years of experience
Free ConsultationBankruptcy, Collections, Consumer and Foreclosure Defense
Florida Coastal School of Law and Pennsylvania State University
Ziegler Diamond Law provides legal representation for consumers facing debt-related legal issues, including foreclosure, bankruptcy, credit card lawsuit, debt negotiation, and creditor harassment claims.
Prior to opening his own law firm, Attorney Michael “Mike” Ziegler was in private practice with the Law Office of Robert Eckard & Associates, P.A. where he handled numerous cases in foreclosure, bankruptcy, and other civil litigation issues. Before joining The Law Office of Robert Eckard and Associates, P.A., Attorney Ziegler served a financially sensitive client base as an advocate at Jacksonville Area Legal Aid. Attorney Ziegler implementing legal strategies based on TILA, RESPA, FCCPA,...
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Barbara Cusumano
Gainesville, FL Bankruptcy Attorney with 32 years of experience
Free ConsultationBankruptcy
University of Miami School of Law
My name is Barbara Cusumano and I am a compassionate, experienced bankruptcy attorney serving Gainesville, Florida and surrounding communities. To help ease your stress, my bankruptcy law firm offers in person and online bankruptcy filings and a free credit rebuilding program. Over the past 25 years, I have helped thousands of clients discharge millions of dollars of debt. I truly love helping people obtain a financial fresh start! We have all had financial ups and downs. I understand the stress associated with loss of work, divorce, and unexpected illness. I truly feel for my clients...
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Eric Steven Ruff
Gainesville, FL Bankruptcy Attorney with 45 years of experience
Free ConsultationBankruptcy
University of Florida
Rated "AV" Peer Review 5.0 out of 5.0 and Client Review 5.0 out of 5.0 by Martindale-Hubble . Rated Superb Attorney 10.0 out of 10.0 by Avvo.com and 5.0 out of 5.0 by Google Places reviews. Eric S. Ruff has filed over 2,900 bankruptcy cases and has over 30 years experience. He attended law school at the University of Florida where he was also a member of the Law Review. Mr. Ruff graduated from law school with honors in 1979 and soon afterwards was an attorney with the firm of Trinkle & Redman in Plant City,...
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Lawrence Joseph Marraffino
Gainesville, FL Bankruptcy Lawyer with 40 years of experience
Free ConsultationBankruptcy and Personal Injury
University of Florida
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Lisa Cohen
Gainesville, FL Bankruptcy Lawyer with 38 years of experience
Bankruptcy
University of Florida
Lisa C. Cohen graduated with honors from the University of Florida College of Law in 1985. She became an associate with attorney Lansing Roy where she specialized in Florida bankruptcy law. Lisa joined the firm of Ruff & Cohen, P.A. in 1992. She has handled, on behalf of debtors, in excess of 100 Chapter 11 reorganizations and has done extensive appellate work. Martindale-Hubbell has also given Lisa Cohen an attorney rating of BV "Distinguished." The lawyer rating company of Avvo.com has likewise given Mrs. Cohen its highest rating of "Superb" attorney. She has filed over 2,900 bankruptcy cases.
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Sharon T. Sperling
Gainesville, FL Bankruptcy Lawyer with 36 years of experience
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Thomas Gerard Pye
Gainesville, FL Bankruptcy Lawyer with 43 years of experience
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Joseph Hadley Brown
Gainesville, FL Bankruptcy Lawyer with 16 years of experience
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Joy Owenby
Fleming Island, FL Bankruptcy Lawyer with 22 years of experience
(904) 479-2391
1835 East West Parkway
Suite 17
Fleming Island, FL 32003
Free ConsultationDivorce, Elder, Estate Planning and Family
Florida Coastal School of Law and Florida State University
Attorney Joy Owenby serves clients throughout Florida with aggressive and relentless representation for a wide-range of practice areas. While her knowledge and experience are extensive, Attorney Owenby particularly handles matters involving divorce, adoption, trusts / wills, probate, criminal defense, child support, and family law. Over the course of the years, she has obtained much recognition and has become an accomplished lawyer with an Avvo Rating. Prior to the founding of Owenby Law, P.A., Attorney Owenby serves as legal counsel for Florida’s Guardian ad Litem Program. During this time, she explored the intricacies of family law which have allowed her...
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Robert G. Whittel
Gainesville, FL Bankruptcy Lawyer with 23 years of experience
Free ConsultationBankruptcy, Criminal Defense, DUI & DWI and Domestic Violence
University of Cambridge and University of Florida Levin College of Law
An experienced trial attorney, Robert Whittel provides his clients with strong, disciplined, results-oriented representation. Prior to becoming a lawyer, he served as a Lieutenant Commander in the US Navy. Robert graduated from both law school and the United States Merchant Marine Academy with honors, and served on the esteemed Florida Law Review. Before co-founding Whittel & Melton, a full-service law firm, Robert gained valuable experience in the court room both serving as a former prosecutor and representing large corporations in complex litigation and transactional matters. Robert is devoted to fighting for his clients’ rights. He handles all types of criminal...
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Kenneth Martin Hesser
Ocala, FL Bankruptcy Attorney with 24 years of experience
Bankruptcy, Employment, Personal Injury and Workers' Comp
Wake Forest University School of Law
Mr. Hesser was born in Philadelphia, Pennsylvania in 1975. He attended Penn State University where he received degrees in both Political Science and Media Studies in 1997. Mr. Hesser then attended Wake Forest University School of Law in Winston-Salem, North Carolina, where he obtained a Juris Doctorate in 2000. Mr. Hesser spent his final year of law school in Gainesville studying at the University of Florida Levin College of Law. Mr. Hesser practices in the fields of bankruptcy, employment, and workers’ compensation law. Prior to forming Schatt & Hesser, PA with his longtime colleague in Ocala, Ted Schatt, Ken...
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Tony Turner
Orange Park, FL Bankruptcy Lawyer with 33 years of experience
Free ConsultationBankruptcy, Foreclosure Defense, Social Security Disability and Workers' Comp
Florida State University College of Law
Since 1991 I have practiced law representing thousands of clients in their bankruptcy and workers' compensation legal issues. Previously employed with Morgan & Morgan and as an assistant county attorney with Hillsborough County, I started my office in 2001and dedicated it to representing debtors who are trying to get a fresh start by discharging their debt, saving their homes from foreclosure, stopping lawsuits, and harassing phone calls. I have represented thousands of injured workers and have settled millions in workers' compensation disputes. Call me today for a free legal consultation. I offer payments plans and try to work within...
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Justin Scutt Warren McMurray
Gainesville, FL Bankruptcy Attorney with 18 years of experience
Free ConsultationBankruptcy, Collections, Consumer and Foreclosure Defense
University of Florida, Fredric G. Levin College of Law
Before obtaining my law degree I was a licensed mortgage banker in Florida. I have a very strong background in real estate law and participated in over 10,000 Real Estate Closings. I also have helped thousands of clients throughout Florida with bankruptcy, foreclosure defense and debt settlement. I always offer a FREE consultation. Call us today (888) 316 2131
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Raymond LaBella
Orange Park, FL Bankruptcy Attorney with 21 years of experience
Bankruptcy, Consumer, Estate Planning and Insurance Claims
Florida Coastal School of Law
Admitted to practice
Supreme Court of Florida
Superior Courts of Connecticut
United States District Court, Middle District of Florida
United States Bankruptcy Court, Middle District of Florida
United States District Court, Northern District of Florida
United States Bankruptcy Court, Northern District of Florida
United States District Court, Southern District of Florida
United States Bankruptcy Court, Southern District of Florida
Publications and Academics
The Small Claims Clinic, writer and instructor, 2004 to present
A joint pro bono collaboration between the Fourth Judicial Circuit of Florida, Jacksonville Area Legal Aid and LaBella Law, P.L.
The Probate Process from Start to Finish, contributing writer and instructor
Continuing Legal Education division of National Business Institute, 2007...
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Alyssa C. Shorstein
St Augustine, FL Bankruptcy Attorney with 15 years of experience
Free ConsultationBankruptcy, Criminal Defense and DUI & DWI
The University of Florida Levin College of Law
Alyssa C. Shorstein is a partner at The Law Offices of Shorstein and Lee, LLC, located in St. Augustine, Florida. Alyssa graduated from St. Augustine High School (High School Diploma) in 2002, Flagler College (B.A.) in 2005 and University of Florida Levin College of Law (J.D.) in 2009. She has been in private practice serving clients in Criminal Defense, Bankruptcy, and Estate Planning & Probate law since 2009. Alyssa has served on the St. Johns County Bar Association since 2012 and served on the Florida Bar Grievance Committee 7B from 2014-2017.
Alyssa takes the time to get...
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Jose I Moreno
Gainesville, FL Bankruptcy Lawyer with 21 years of experience
Bankruptcy, Business, Probate and Real Estate
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K. Hunter Goff
Minneola, FL Bankruptcy Lawyer with 24 years of experience
Free ConsultationBankruptcy and Consumer
The Florida State University College of Law
I limit my practice to representing people through the bankruptcy process and have been practicing bankruptcy law in the Middle District of Florida since 2000.
I live in South Lake County with my Wife, 2 kids, 3 dogs, and 1 cat.
I would be honored to help you through a difficult time. Give me a call and let's get started.
Hunter
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Michael Ferrin
Orlando, FL Bankruptcy Lawyer with 17 years of experience
Free ConsultationBankruptcy, Divorce, Domestic Violence and Family
Barry University Dwayne O. Andreas School of Law
Michael Ferrin has been practicing in the areas of of Domestic/Family law and Bankruptcy Law for over 14 years. Mr. Ferrin's experience has given him a unique ability to understand the difficulties one can face when confronted with the issues involved in these areas. Mr. Ferrin prides himself on treating each client as if they were family and making sure that as a client you are well informed and receive the highest level of representation. Mr. Ferrin has been a resident of Florida for over 40 years. He was born in New Orleans and raised in Key West Florida....
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Victoria Lyn Anderson
Orlando, FL Bankruptcy Attorney with 17 years of experience
Free ConsultationBankruptcy, Divorce, Domestic Violence and Family
Barry University Dwayne O. Andreas School of Law
Victoria Lyn Anderson primarily practices in the areas of domestic and family law and bankruptcy. Ms. Anderson's experience in these areas of law has given her a unique ability to not only achieve results but to assist clients though difficult, complicated and sometimes incredibly emotional events. Ms. Anderson has been a resident of central Florida for over 25 years. She received her Bachelors in Political Science from the University of Central Florida and a Juris Doctorate from Barry University School of Law. At Barry University Ms. Anderson received a certificate for completing a concentration in the areas of Children...
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Walter F. Benenati
Orlando, FL Bankruptcy Lawyer with 17 years of experience
Free ConsultationBankruptcy, Foreclosure Defense and Personal Injury
St. Thomas University School of Law
The Benenati Law Firm is an Orlando law firm that focuses in bankruptcy, personal injury accidents, foreclosure defense, and lawsuit representation. A client is the most important person in the world to us. Please consider us as your legal counsel. We are currently the largest filer of bankruptcies in Central Florida and ready to serve you.
Life Has a Restart Button. Whether you were involved in a car accident or are ready to finally get out of debt, we are offering a FREE private consultation with attorney Walter Benenati today. For fifteen years, we have represented over fifteen thousand people...
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Mr. Carmen Dellutri
Orlando, FL Bankruptcy Lawyer with 31 years of experience
Free ConsultationBankruptcy, Consumer, Foreclosure Defense and Personal Injury
Loyola University New Orleans College of Law and Tulane University School of Law
Carmen Dellutri is the Founder and President of the Dellutri Law Group, P.A. He is certified by the American Board of Certification Consumer in bankruptcy law. He is also a Florida Supreme Court Certified Circuit Court and Family Law Mediator and a Qualified Arbitrator.
Carmen has qualifications that we could list for days but it's his personal stories that drive him to be the best. Carmen is not just an Attorney, he is a family man. His wife and children are his daily "why".
He is especially passionate about seeking justice for victims of Drunk Driving. Carmen was not only...
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Paul Cain
Jacksonville Beach, FL Bankruptcy Attorney
(800) 455-7834
1400 Marsh Landing Parkway
Suite 108
Jacksonville Beach, FL 32256
Free ConsultationEstate Planning
For as long as I can remember, I’ve been drawn to the idea of creating lasting legacies. There’s something profoundly meaningful in knowing that what you’ve built—your business, your portfolio, your family’s security—can endure and flourish for generations to come. Growing up, I saw firsthand the anxiety and uncertainty that can accompany the transfer of wealth. My family faced difficult decisions when it came to ensuring that what they’d worked so hard to achieve would be protected, preserved, and passed on to those they loved most. Through those experiences, I realized that skilled guidance, delivered with genuine care, makes all...
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Matthew J. Sherman
Jacksonville, FL Bankruptcy Attorney
Free ConsultationBankruptcy and Tax
Nova Southeastern University and University of Florida Levin College of Law
Matthew Sherman specializes in both civil and criminal tax controversies and serve as the Tax Workout Group firm’s practice group leader for all tax-bankruptcy matters. He handles both Federal and state tax matters involving individuals, corporations, partnerships, limited liability companies, and trusts and estates.
In the tax controversy arena, Mr. Sherman has considerable knowledge and insight handling complex civil tax examinations, administrative appeals, and tax collection matters. His tax practice includes a wide array of dispute types involving income taxes, sales and use taxes, employment taxes, excise taxes and property taxes. He thinks of himself as a...
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George Trovato
Orange City, FL Bankruptcy Attorney with 21 years of experience
(386) 626-9006
150 N. Volusia Ave. Suite B, Orange City, Florida 32763, United States
Orange City, FL 32763
Free ConsultationBankruptcy, Criminal Defense, Family and Personal Injury
Regent University School of Law and Barry University
MEMBER OF THE FLORIDA & NORTH CAROLINA BAR With almost 20 years of experience, George Trovato has acquired the knowledge and the skills to provide effective and aggressive representation. GRADUATE OF BARRY UNIVERSITY SCHOOL OF LAW He also earned The Masters of Law from Regent University School of Law. Honored by the cities of Deltona, Orange City and Port Orange. HONORED BY FLORIDA SUPREME COURT 10 YEARS IN A ROW FOR PRO-BONO WORK FOR HIS COMMUNITY Champion for hands-on classroom training & apprenticeships. SUPPORTS THE COUNCIL ON AGING George is a leader in his community and always...
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Alex McClure
Lake Mary, FL Bankruptcy Attorney with 17 years of experience
Free ConsultationBankruptcy, Business, Collections and Consumer
Stetson University College of Law
I exclusively practice consumer credit/collections and consumer protection law which includes bankruptcy, wage and bank garnishment, consumer protection law and debt defense litigation. I keep the focus of my firm narrow to ensure the highest level of representation and advocacy for my clients by not trying to be a jack of all trades. I spent nearly 10 years litigating for some of the largest creditors and debt buyers in the country and I now bring all of that experience to your side of the table to provide you with a unique perspective on your problems.
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Jeffrey Scott Badgley
Orlando, FL Bankruptcy Lawyer with 38 years of experience
Free ConsultationBankruptcy, Legal Malpractice and Personal Injury
University of Florida Levin College of Law
My practice is about helping individuals, families, and small businesses. My firm works with injured people to obtain compensation for their injuries. We also work with individuals and families who are in financial distress who need help with unmanageable debt.
I am board certified in civil trial law by the Florida Bar. I have extensive experience litigating cases involving professional malpractice, personal injuries, insurance disputes, real estate disputes, and business disputes. Cases that I have tried in court before juries include wrongful death claims, medical malpractice, automobile injuries, brain injuries to children, delay in diagnosis of cancer,...
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James Turner
Orlando, FL Bankruptcy Attorney with 49 years of experience
Free ConsultationBankruptcy, Collections, Consumer and Foreclosure Defense
University of Miami School of Law and University of Miami School of Law
Debt Relief Lawyer - providing aggressive and affordable professional services to consumers who have been victims of unfair and illegal collection tactics in attempting to collect a consumer debt, and other legal services for residents in Orlando, Kissimmee, and throughout the Central Florida Area.
We have had success for our clients in suing for wrongful repossession. Moreover, we have lots of experience with credit card lawsuits.
If you want a 5-Star attorney on your side, call or text us.
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Chip Parker
Jacksonville, FL Bankruptcy Attorney with 32 years of experience
Free ConsultationBankruptcy and Foreclosure Defense
Stetson University College of Law
I have been a consumer lawyer since 1992, with an emphasis on consumer and small business bankruptcy and defending consumers against illegal debt collection activity.
I manage two consumer bankruptcy law firms ~ in Florida and Utah. Over the 26 years of running consumer law firms, I came to understand that these are not law firms at all. They are consumer satisfaction companies that provide legal representation to consumers and small businesses. Client satisfaction is our #1 goal. It is so important, as a matter of fact, that we publish a Statement of Client Rights right on the website, and we...
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A. Brian Phillips
Jacksonville, FL Bankruptcy Attorney
Free ConsultationBankruptcy, Tax and White Collar Crime
University of Florida Levin College of Law and University of Tennessee College of Law
As a former Assistant United States Attorney and U.S. Department of Justice Trial Attorney (Tax Division), Mr. Phillips has substantial experience, training, and resources for handling complex, high-impact civil tax controversy and criminal tax defense litigation cases. While serving as a United States Department of Justice Trial Attorney in the Tax Division (Honors Program) and as an Assistant United States Attorney in the Middle District of Florida, Mr. Phillips handled numerous civil and criminal tax matters and served as the lead Asset Forfeiture attorney in the Orlando office of the United States Attorney where he also prosecuted a large...
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Howard Iken
Orlando, FL Bankruptcy Lawyer with 19 years of experience
Free ConsultationBankruptcy, Criminal Defense, Divorce and Domestic Violence
Stetson University College of Law
Attorney Howard Iken is the founder and managing partner of Ayo & Iken, a law firm helping clients with divorce, custody, bankruptcy, criminal defense, and debtor defense. We have offices throughout Tampa Bay and Central Florida.
We have the following locations available:
Wesley Chapel
Summergate Professional Center
Seven Oaks - near Wiregrass Mall - off Hwy 56
27642 Cashford Circle
Wesley Chapel, FL 33544
New Port Richey - Pasco ...
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Steven Fraser
Jacksonville, FL Bankruptcy Attorney with 26 years of experience
Free ConsultationBankruptcy
University of Baltimore School of Law
The Firm has extensive experience representing businesses in the area of insurance claims; real estate and commercial litigation. We focus on property, premise and personal liability, in addition, to real estate litigation. Our services include representation of buyers, sellers, and lenders in residential and commercial real estate transactions . We represent employers, carriers, third party administrators, and self-insurers through all phases of litigation. The firm handles a variety of other matters including commercial collections; and representation in wage garnishments and bankruptcy proceedings for creditors. The firm handles all aspects of claims assigned by companies including first and third party claims....
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L. William Porter III
Orlando, FL Bankruptcy Attorney with 27 years of experience
Bankruptcy, Business and Consumer
Florida State University College of Law
L. William Porter III, or "Bill" as he is better known, is an attorney in Central Florida. His areas of expertise are Bankruptcy, Commercial Litigation and Civil Litigation. Bill Porter received his undergraduate degree and his law degree from Florida State University, receiving his B.S. with honors and his J.D. with high honors. He served as a Trial Attorney for three years for the U.S. Department of Justice, Office of the U.S. Trustee in Orlando, Florida. Since 2011, Bill Porter has taught Introduction to Bankruptcy and Creditor Rights at Valencia College as an adjunct professor.
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Ryan Michael Albaugh
SAINT AUGUSTINE, FL Bankruptcy Lawyer with 25 years of experience
(904) 471-3434
1301 Plantation Island Dr. S.
Suite 302B
SAINT AUGUSTINE, FL 32080
Free ConsultationBankruptcy, Consumer, Criminal Defense and Foreclosure Defense
Golden Gate University School of Law
With over 15 years of experience, I have handled thousands of cases. I am both skilled and knowledgeable in Criminal Defense, Foreclosure Defense, Bankruptcy, Family Law, and Injury Law matters. I provide personal attention and zealous representation to meet my clients' legal needs and goals. I am committed to protecting and fighting for their rights and interests.
As a former Deputy District Attorney, I prosecuted a broad range of criminal matters from misdemeanors to serious felonies. My extensive knowledge and insight into the criminal law system has assisted in the successful defense of many clients. I also advocate for clients...
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Gregory J. Lesak
Jacksonville, FL Bankruptcy Attorney with 21 years of experience
(904) 895-5796
8280 Princeton Square Blvd. W
Suite 1
Jacksonville, FL 32256
Bankruptcy, Collections, Consumer and Health Care
Florida State University College of Law
Gregory J. Lesak, Jr., places great emphasis on attaining a profound comprehension of his clients' underlying businesses and their specific needs. While being results-driven and assertive, Mr. Lesak consistently prioritizes cost-effectiveness in all his endeavors. With extensive experience as a transactional attorney and litigation attorney, he has cultivated a unique perspective in assisting clients. His dual role as both client and attorney equips him with a comprehensive understanding of clients' business requirements and enables him to solve problems effectively. As a solution-oriented lawyer with a strong foundation in business knowledge, Mr. Lesak views problem-solving as the core responsibility of legal...
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Jason Anthony Burgess
Atlantic Beach, FL Bankruptcy Attorney with 17 years of experience
Free ConsultationBankruptcy
University of Alabama School of Law and Florida Coastal School of Law
Jason is a bankruptcy attorney that concentrates his practice on Chapter 11 bankruptcy cases and complex bankruptcy litigation. While in law school and for a time after graduation Jason practiced in the creditor’s rights area for many of the large financial institutions. Later Jason decided to use his knowledge of the creditor’s side for the Debtor’s advantage and switched sides. Now he concentrates his practice on helping businesses and individuals reorganize. Jason is often called upon as a Chapter 11 consultant when other debtor or creditor attorneys run into Chapter 11 bankruptcy cases.
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Carolina Nunez
Daytona Beach, FL Bankruptcy Attorney
(386) 753-4867
523 W. International Speedway Blvd.
Daytona Beach, FL 32114
Bankruptcy, Foreclosure Defense, Personal Injury and Real Estate
Barry University Dwayne O. Andreas School of Law
AWARDS
Lawyers of Distinction
Elite Lawyers
407-376-2229
www.cnunezlaw.com
SERVICIO DE ABOGADOS EN ESPANOL
386-PLEITOS (Español)
www.abogadanunez.com
Winter Park / Orlando:
https://maps.app.goo.gl/mZydFiUenECqHQmq9
Daytona Beach:
https://maps.app.goo.gl/mZydFiUenECqHQmq9
Gainesville:
https://maps.app.goo.gl/Wddzhmacxn3mZVgF8
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Anthony W. Chauncey
Live Oak, FL Bankruptcy Attorney with 14 years of experience
Free ConsultationBankruptcy, Criminal Defense, Probate and Traffic Tickets
Florida Coastal School of Law
Anthony “Tony” Chauncey practices in the areas of Bankruptcy, Foreclosure Defense, Criminal Defense, Traffic Citations, Family Law, and Personal Injury. Mr. Chauncey has counseled clients in many areas of the law including representation of numerous individuals and business entities in transactional and litigation proceedings in Florida’s state, federal, and bankruptcy courts. Mr. Chauncey has helped thousands of clients achieve a fresh start financially using the federal bankruptcy laws. He is experienced in Chapters 7, 11, 12 and 13 under the Federal Bankruptcy Code. His criminal practice includes the defense of clients accused of crimes such as DUI, traffic offenses, drug...
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Erin Esmay Tudhope
Maitland, FL Bankruptcy Attorney with 17 years of experience
Bankruptcy and Foreclosure Defense
Florida A&M University College of Law
Ms. Tudhope's area of concentration is bankruptcy law, foreclosure defense, as well as other alternative debt relief representation. By maintaining a strong emphasis in these dynamic areas of law, she has developed an expertise that is conducive to achieving results. Attorney Erin Tudhope graduated from local schools in Central Florida, and received her Bachelor of Arts degree Cum Laude from St. Andrews Presbyterian College. Graduating in the top of her class, Ms. Tudhope earned a Juris Doctorate degree Cum Laude from Florida A & M College of Law. She has interned for the State Attorney’s Office in the Victim...
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Helbert Lopez
Orlando, FL Bankruptcy Lawyer with 5 years of experience
Bankruptcy, Divorce, Family and Foreclosure Defense
American University Washington College of Law
Helbert Lopez believes that helping to solve legal problems doesn’t just mean looking for solutions. It’s also about finding opportunities for clients to move ahead confidently with their lives following a divorce, an immigration matter, an auto accident, or a personal bankruptcy.
In his role as CEO of Florida Law Advisers, P.A., Helbert uses his broad range of legal savvy and business wisdom to give Tampa, Orlando, and Central Florida citizens the guidance they need.
“My diverse work experience and education provide a solid foundation to solve any issues faced by my clients,” Helbert proudly proclaims. “In these capacities, I have gathered...