Stuart Bankruptcy Lawyers

Sherri B. Simpson
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Sherri B. Simpson
Sunrise, FL Bankruptcy Attorney with 33 years of experience
(954) 524-4141 Belle Terre Building
7800 West Oakland Park Blvd Ste B-102
Sunrise, FL 33351
Free ConsultationBankruptcy, Business, Consumer and Foreclosure Defense
University of Miami
I have been an attorney since 1990 and have focused on foreclosure defense since 1993 and bankruptcy since 1997. I have also handled a lot of business matters from sales to contract drafting, asset protection to bankruptcy.

I have a very well rounded background including family law, elder law, probate, lemon laws, tax law and consumer protection law. This wide breadth of knowledge allows me to see possibilities other attorneys miss, and to help you determine the best course of action for your individual circumstances.

I can help if you are behind in child support, have not paid individual, payroll...
Renzo Bosoni
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Renzo Bosoni
Hollywood, FL Bankruptcy Lawyer with 12 years of experience
(954) 613-1865 1930 Harrison St.
Suite 209
Hollywood, FL 33020
Free ConsultationBankruptcy, Estate Planning, Foreclosure Defense and Probate
American University Washington College of Law
Renzo Bosoni is the founding member of First Legal, a well established law firm focusing in the areas of probate administration, estate planning, trusts and will, guardianship and elder law. With a combined experience of over 30 years, the attorneys at First Legal have the necessary expertise and knowledge to handle the preparation of simple wills so you can pass on your assets to your loved ones to even the most difficult sets of issues, whether it be contested probate administrations, or complex estate planning needs.

Every client we meet has different needs and wishes about how they want their...
Jason Weaver
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Jason Weaver
Boca Raton, FL Bankruptcy Attorney with 23 years of experience
20423 FL-7
272,STE F6
Boca Raton, FL 33498
Free ConsultationBankruptcy, Foreclosure Defense and Personal Injury
Nova Southeastern University
Nicholas A. McCarville
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Nicholas A. McCarville
Miami, FL Bankruptcy Attorney with 16 years of experience
(305) 677-3619 1675 SW 27th Ave
Miami, FL 33145
Free ConsultationBankruptcy, Consumer and Real Estate
St. Thomas University School of Law
Nicholas is a graduate of St. Thomas University School of law where he finished in the top 20% of his class. Prior to law, Nicholas attained his B.A. from Arizona State University and has been a licensed real estate broker for many years. He also has a construction and small business administration background. Nicholas' areas of expertise include all aspects of consumer bankruptcy, debtor / creditor law, consumer law, automobile repossession disputes, auto dealer fraud, auto finance law, lemon law, usury, real estate law, real estate contracts and brokerage, landlord / tenant law, collection defense, ad...
Christian Alan Petersen
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Christian Alan Petersen
Fort Lauderdale, FL Bankruptcy Lawyer with 25 years of experience
(954) 334-2250 2426 East Las Olas Blvd.
Fort Lauderdale, FL 33301
Bankruptcy, Business and Construction
Vanderbilt University Law School
"Christian A. Petersen joined Olive|Judd, P.A. in 2013. His extensive experience in complex commercial and construction litigation, contract and business disputes, real estate litigation, and representation of creditors in bankruptcy and insolvency proceedings makes him a valuable asset to the firm’s practice. Mr. Petersen’s practice includes representing international clients throughout the state of Florida, and he has been recognized as a Top Lawyer for 2013 and an Up & Comer from 2007-12 by the South Florida Legal Guide. Mr. Petersen has an AV Preeminent rating from Martindale-Hubbell, a peer reviewed ranking which indicates the highest level of professional excellence....
Alberto Homar Hernandez
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Alberto Homar Hernandez
Hialeah, FL Bankruptcy Lawyer with 33 years of experience
(305) 820-0334 1840 W 49 St
Suite 301
Hialeah, FL 33012
Free ConsultationBankruptcy and Foreclosure Defense
University of Florida Levin College of Law
Alberto H. Hernandez is a graduate of Cornell University in New York and University of Florida Levin College of Law, where he attained his Juris Doctorate Degree in 1990. He was admitted to the Florida Bar Association in 1991, and also has membership in the federal courts' Southern District Court, the Northern District Court and the Middle District Court of Florida. He is also a member of the National Association of Consumer Bankruptcy Attorneys (NACBA), member and Director of the Miami Lakes Bar Association, and one of the founding members of the Miami Lakes Chapter of BNI Excellence.
J. Christopher Crowder
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J. Christopher Crowder
Melbourne, FL Bankruptcy Lawyer with 16 years of experience
(321) 784-8158 700 N Wickham Road
STE 205
Melbourne, FL 32935
Free ConsultationBankruptcy, Consumer, Foreclosure Defense and Real Estate
Barry University Dwayne O. Andreas School of Law
I believe it is important to identify a clients goals and build a strategy to best meet those goals. Growing up in a small town taught me to stand behind my work and to only provide services that people really need.

Chris grew up in Basehor, Kansas on the outskirts of Kansas City where he learned to “pay it forward.” He lives and works by the ideal that the work you do and the promises you make to individuals carries forward. With that in mind, Chris attended Kansas State University where he earned his B.S. in Speech Communications. Chris also spent...
Simona Burshteyn
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Simona Burshteyn
Hollywood, FL Bankruptcy Attorney
(954) 613-1870 1930 Harrison St.
Ste 209
Hollywood, FL 33020
Free ConsultationBankruptcy, Business and Real Estate
Nova Southeastern University
Simona currently focuses her practice areas in real estate law, bankruptcy and general civil and commercial litigation.
Levi Wilkes
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Levi Wilkes
Boca Raton, FL Bankruptcy Lawyer
(800) 586-5555 925 South Federal Highway
6th Floor
Boca Raton, FL 33432
Free ConsultationBankruptcy, Civil Rights, Consumer and Personal Injury
St. Thomas University School of Law
Levi Lawrence Wilkes is known as a well-reasoned advocate, protecting his client’s interests as though they were his own. Born in Corpus Christi, Texas, Mr. Wilkes spent most of his childhood between Texas, Utah, Kentucky and Idaho. Before pursuing a law career, Mr. Wilkes worked in a variety of industrial construction settings around the country, performing various roles, including: pipefitting, rigging, land surveying, boiler-making and commercial diving. After saying goodbye to the construction industry, Mr. Wilkes obtained his undergraduate degrees from Texas A&M University-Corpus Christi, where he majored in Political Science and obtained a minor in Criminal Justice....
Marc Brown
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Marc Brown
Fort Lauderdale, FL Bankruptcy Attorney with 17 years of experience
(954) 566-5678 6400 N. Andrews Ave.
Ste 510
Fort Lauderdale, FL 33309
Free ConsultationBankruptcy, Collections, Foreclosure Defense and Real Estate
St. Thomas University School of Law
I founded Marc Brown, P.A. because I believe that clients should expect nothing less than consummate professionalism, clear and reliable guidance, and unwavering commitment from their lawyer. For well over a decade, I have made those qualities the cornerstone of my practice.

As a Miami native, I have extensive experience in a wide range of transactional and litigation matters. My clients range from some of the world largest financial institutions involved in consumer finance litigation to individuals and families seeking to purchase their first home. Regardless of the size or complexity of the matter or the type of client, I provide...
David Kovari
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David Kovari
Boca Raton, FL Bankruptcy Lawyer with 23 years of experience
(561) 417-8767 2295 N.W. Corporate Blvd.
Suite 117
Boca Raton, FL 33431
Free ConsultationBankruptcy
Western Michigan University Cooley Law School
As the founder of the Law Offices of David Kovari, P.A., Boca Raton lawyer David Kovari practices in the areas of bankruptcy, family law, debt negotiation and real estate. Since 1997, Mr. Kovari has been licensed to practice law in Florida courts. He is involved with several professional associations including the National Association of Consumer Bankruptcy Attorneys and Bankruptcy Bar Association. Attorney Kovari is a graduate of the Western Michigan University Thomas M. Cooley Law School. Contact his firm for your zero-cost case evaluation.
Kevin Lawrence Hagen
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Kevin Lawrence Hagen
Fort Lauderdale, FL Bankruptcy Attorney with 30 years of experience
(954) 987-0515 3531 Griffin Rd
Fort Lauderdale, FL 33312
Free ConsultationBankruptcy, Business and Real Estate
Joseph Vincent Priore
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Joseph Vincent Priore
Fort Lauderdale, FL Bankruptcy Lawyer with 24 years of experience
(954) 351-7474 200 South Andrews Avenue
Suite 100
Fort Lauderdale, FL 33301
Free ConsultationBankruptcy, Business, Collections and Foreclosure Defense
Nova Southeastern University - Shepard Broad Law Center
Mr. Priore is admitted to practice before all courts of the State of Florida, as well as the United States District Court for the Southern, Middle and Northern Districts of Florida, the United States Court of Appeals for the Eleventh and Federal Circuits and the United States Supreme Court. A native Floridian, Mr. Priore is a graduate of the University of Florida, Gainesville, Florida (B.A.) and Nova Southeastern University, Fort Lauderdale, Florida (J.D.), and is a member of The Florida Bar, the American Bar Association, the American Association of Justice, the National Italian-American Bar Association and the Broward County Bar...
Christian Robert Panagakos
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Christian Robert Panagakos
Fort Lauderdale, FL Bankruptcy Lawyer with 29 years of experience
(954) 600-8990 1451 W. Cypress Creek Road
Suite 300
Fort Lauderdale, FL 33309
Free ConsultationBankruptcy, Foreclosure Defense and Real Estate
University of Florida
Our mission is to help people resolve their financial challenges. We do this by listening to our clients' issues and objectives, and developing a legal strategy to best meet those objectives. Legal services include debt-negotiations and restructuring, foreclosure defense, home loan modifications, short sales, deeds-in-lieu of foreclosure, assignments for the benefit of creditors and of course bankruptcy. We utilize Chapter 7, Chapter 11 and Chapter 13 of the Bankruptcy Code and Chapter 727 of Florida Statutes. We represent debtors and creditors, individuals and businesses, and always offer free phone consultations to help people quickly understand their...
Omar Saleh
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Omar Saleh
Miami, FL Bankruptcy Lawyer
(305) 809-6170 5455 SW 8th Street
Ste. 255
Miami, FL 33134
Bankruptcy, Foreclosure Defense, Immigration and Real Estate
Nova Southeastern University
Since 2011, Omar Saleh, Esq. has focused his practice largely on real estate litigation. Before joining Synergy Law Firm, Omar represented some of the nations largest lenders in residential mortgage foreclosures. Since joining the firm, Omar has provided a wide range of real estate and other civil litigation matters including foreclosure defense, business and personal litigation, and continues to advocate for clients with debt defense and consumer bankruptcy issues. During law school, Omar was vice president of Nova Southeastern University Shepard Broad Law Center's trial team, where he competed in trial competitions throughout the state. Before...
Christopher Bruce Bailey
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Christopher Bruce Bailey
Saint Cloud, FL Bankruptcy Lawyer with 7 years of experience
(407) 957-9686
Ext. 3
1320 Jersey Ave
Saint Cloud, FL 34769
Free ConsultationBankruptcy, Criminal Defense, DUI & DWI and Estate Planning
Barry University Dwayne O. Andreas School of Law
Growing up in Central Florida, Mr. Bailey decided to stay local when pursuing a higher education. Attending the University of Central Florida, Mr. Bailey obtained a Bachelor’s Degree in Criminal Justice in 2012. While completing this degree and afterwards, Mr. Bailey worked for a large firm handling Bankruptcy cases for those who had fallen on hard times, especially those caused by the mortgage crisis. Mr. Bailey was inspired to go to law school by the work and dedication of the attorneys he worked with for years. Mr. Bailey obtained his Juris Doctorate in December 2016.
Mr. Bailey focuses his...
Adela Daud Estopinan
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Adela Daud Estopinan
Hollywood, FL Bankruptcy Lawyer with 17 years of experience
(305) 646-1460 2847 Hollywood Blvd.
Suite 301
Hollywood, FL 33313
Free ConsultationBankruptcy
Florida International University College of Law
Former Assistant State Attorney. Adjunct Faculty at University of Miami.
Ron S. Bilu
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Ron S. Bilu
Pompano Beach, FL Bankruptcy Lawyer with 21 years of experience
(954) 596-0669 2760 W. Atlantic Blvd.
Pompano Beach, FL 33069
Bankruptcy, Business and Real Estate
University of Florida
A partner at the Law Offices of Bilu Law, Ron S. Bilu represents clients in the state of Florida in matters of real estate law, foreclosure defense, insurance, bankruptcy, state and local taxation, investment and securities litigation, family law, personal injury, intellectual property, corporate law and commercial litigation. He is also authorized as an agent to write for the Old Republic National Title Insurance Company and is a member of the Attorneys’ Title Insurance Fund.

Mr. Bilu earned a Bachelor of Science from the University of Florida, graduating summa cum laude with an advertising major and a criminal justice minor. At...
Robert J. Semrad
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Robert J. Semrad
Coral Gables, FL Bankruptcy Attorney with 29 years of experience
(786) 420-4554 2332 Galiano St.
Suite 202
Coral Gables, FL 33134
Bankruptcy
DePaul College of Law
Paul F Daley
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Paul F Daley
Melbourne, FL Bankruptcy Attorney with 17 years of experience
(321) 504-9935 7331 Office Park Place
Suite 3
Melbourne, FL 32940
Free ConsultationBankruptcy and Consumer
Barry University School of Law
Daley Law helps clients deal with debt matters. We help with garnishments, small claims, Personal and Business Bankruptcy.

We file Chapter 13 and Chapter 7 bankruptcy.
John A. Moffa
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John A. Moffa
Plantation, FL Bankruptcy Attorney with 32 years of experience
(954) 634-4733 1776 North Pine Island Road
Suite 102
Plantation, FL 33322
Free ConsultationBankruptcy and Insurance Claims
Nova Southeastern University
Board Certified in both Consumer Bankruptcy and Business Bankruptcy by the American Board of Certification. 20 years experience in Bankruptcy Trustee representation and consumer & business bankruptcies for debtors. Highest earned rating by AVVO.com
Lisa Torelli McCue
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Lisa Torelli McCue
Fort Lauderdale, FL Bankruptcy Attorney with 29 years of experience
(954) 267-9377 6245 North Federal Hwy.
Suite 418
Fort Lauderdale, FL 33308
Free ConsultationBankruptcy and Personal Injury
Nova Southeastern University
Jeffrey David Solomon
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Jeffrey David Solomon
Hollywood, FL Bankruptcy Lawyer with 43 years of experience
(954) 967-9800 3864 Sheridan St
Hollywood, FL 33021
Free ConsultationBankruptcy, Business, Collections and Consumer
University of Virginia
Jeffrey Solomon has practiced in South Florida since 1980. He has had his own practice since 1988. After graduating high school in South Florida, he attended Emory for college (Phi Beta Kappa) and graduated in the top 10 percent of his class at the University of Virginia Law School. He has lectured at numerous seminars on bankruptcy. He has served on the Board of Directors of the Broward County Bar Association and has received awards from the Broward Bar. He takes pride in providing individual service to his clients.
Orfelia Mayor
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Orfelia Mayor
Cooper City, FL Bankruptcy Lawyer with 20 years of experience
(954) 715-1197 9710 Stirling Road
Suite 108
Cooper City, FL 33024
Free ConsultationBankruptcy
Shepard Broad Law Center, Nova Southeastern University
Scott Merl
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Scott Merl
Coral Gables, FL Bankruptcy Lawyer
(305) 444-1575 4070 Laguna Street 1st Floor
Coral Gables, FL 33146
Free ConsultationBankruptcy, Family and Personal Injury
University of Miami School of Law
Scott Merl graduated from Miami Law in May of 2011. A Miami native, Scott graduated from the University of Florida with a double major in Political Science, cum laude and Business Administration General Studies with a specialization in Education. During his law school career, Scott served as the 2010 Orientation Vice Chair, was a leading force in the Student Ambassador program, and was an intern for the Street Law program where he taught at Coral Gables High School.

After graduation, Scott held a one year Post-Graduate Fellowship in which he served as a liaison between the student body and the...
Gary M. Singer
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Gary M. Singer
Fort Lauderdale, FL Bankruptcy Attorney with 22 years of experience
(954) 771-7601 2929 East Commercial Blvd, Suite 100
Fort Lauderdale, FL 33308
Bankruptcy, Business, Estate Planning and Landlord Tenant
Nova Southeastern University
Gary M. Singer is an attorney licensed to practice law in Florida. Gary is Board Certified as an expert in Real Estate Law by the Florida Bar. Gary is a member of the Florida Bar, the Broward County Bar Association (Board of Directors and Co-Chair of the Real Estate Section), Broward Attorneys Real Estate Council,and is an Adjunct Professor at Nova Southeastern University. He is a Member Agent of Attorneys' Title Fund Services. He was born in the Bronx and was raised in eastern Long Island, New York. Gary M. Singer moved to Florida in 1989 with the...
Owei Belleh
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Owei Belleh
Cooper City, FL Bankruptcy Attorney with 21 years of experience
(888) 450-7999 2525 Embassy Drive
Suite 2
Cooper City, FL 33026
Bankruptcy, Business, Estate Planning and Foreclosure Defense
University at Buffalo Law School, The State University of New York
I focus my law practice in the areas of real property transaction and litigation, bankruptcy, business and immigration. I have experience representing public corporations, privately-held corporations and accredited investors, but take particular pride in representing entrepreneurs and small business owners - the cornerstone of the American economy.
Mr. Angelo A Gasparri
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Mr. Angelo A Gasparri
Boca Raton, FL Bankruptcy Attorney with 30 years of experience
(561) 826-8986 1616 NW Boca Raton Boulevard
Boca Raton, FL 33432
Bankruptcy
Emory University School of Law
Angelo assists individuals and businesses to create a financial fresh start. The team at the Debt Relief Law Center of Palm Beach County focuses on supporting each client with a level of honor, respect and service. Our goal is to assist you in finding freedom and launching your future.
Matthew Kish
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Matthew Kish
Boca Raton, FL Bankruptcy Attorney with 27 years of experience
(561) 210-8365 1200 N. Federal Hwy
Suite 200
Boca Raton, FL 33432
Free ConsultationBankruptcy, Appeals, Business and Maritime
California Western School of Law and Arizona State University
Matthew Kish is an attorney with substantial experience in all aspects of bankruptcy, real estate, and commercial law. Matthew has practiced law in California and Florida and he has a proven ability to find sound solutions to complex legal, commercial, and financial concerns. Originally from Philadelphia, he is an avid surfer and outdoorsman.
Andres Montejo
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Andres Montejo
Fort Lauderdale, FL Bankruptcy Lawyer with 21 years of experience
(954) 601-1366 800 East Broward Boulevard, Suite 710,
Fort Lauderdale, FL 33301-2085
Free ConsultationBankruptcy, Consumer, Family and Real Estate
Nova Southeastern University
Andres Montejo was born in Bogota, Colombia South America in 1959. Attended private boarding schools in Massachusetts. Earned a Technological degree in Computer Administration. In 1990 earned a Bachelors of Science in Business Administration, in 1992 earned a Masters in Business Administration, and in 2003 earned a Juris Doctor degree, all from Nova Southeastern University located in Fort Lauderdale, Florida. Was admitted in 2003 to the Florida Bar. Andres is not only a member of the Florida Bar but also of the Washington D.C. Bar. He has also been admitted to the Federal Courts of Florida and Washington DC as well...
Maite L. Diaz
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Maite L. Diaz
Pembroke Pines, FL Bankruptcy Lawyer with 17 years of experience
(954) 389-1667 400 N Hiatus Rd
Suite 200
Pembroke Pines, FL 33026
Free ConsultationBankruptcy and Real Estate
Florida International University College of Law
Christian Veras
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Christian Veras
Miami, FL Bankruptcy Lawyer with 9 years of experience
(786) 842-1470 5951 NW 173rd Drive Suite 1
Miami, FL 33015
Bankruptcy, Family, Immigration and Real Estate
Samir Masri
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Samir Masri
Coral Gables, FL Bankruptcy Lawyer with 26 years of experience
(305) 445-3422 901 Ponce de Leon Blvd
Suite 101
Coral Gables, FL 33134
Free ConsultationBankruptcy, Consumer, Foreclosure Defense and Tax
University of Miami School of Law
David Alan Carter
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David Alan Carter
Boca Raton, FL Bankruptcy Lawyer with 42 years of experience
(561) 750-6999 1900 Glades Road
Suite 401
Boca Raton, FL 33431
Bankruptcy, Business, Securities and Stockbroker Fraud
Drake University Law School
David A. Carter is a member of the Florida and Iowa Bar Associations. He has been practicing law since 1982 and in the Boca Raton, Florida area since 1990. He graduated from the University of South Florida with a degree in finance. He obtained his law degree from Drake University in Des Moines, Iowa in 1982. For seven years following graduation from law school, Mr. Carter practiced law with the Des Moines law firm of Neiman, Neiman, Stone & Spellman, P.C. where he specialized in bankruptcy law. Most of Mr. Carter’s clients are individuals or businesses in financial distress. He represents retirees...
Kevin Christopher Gleason
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Kevin Christopher Gleason
Hollywood, FL Bankruptcy Lawyer with 41 years of experience
(954) 893-7670 4121 N 31st Ave
Hollywood, FL 33021
Free ConsultationBankruptcy, Appeals, Business and Tax
Villanova University School of Law
A finance professor at Cornell first interested Kevin in bankruptcy law by relating the professor’s experiences under the Bankruptcy Act of 1898. At Villanova University School of Law, Kevin assisted a professor for two years updating an early treatise on the then-new Bankruptcy Code of 1978. Just out of law school, two bankruptcy judges in Newark, NJ hired Kevin as a shared law clerk. Thereafter Kevin has practiced in boutique firms, a large firm, as a solo practitioner, and currently practices with Patricia Gleason, whom he met in bankruptcy court during her internship with Chief Bankruptcy Judge...
Arna Cortazzo
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Arna Cortazzo
Melbourne, FL Bankruptcy Lawyer with 37 years of experience
(321) 690-2363 7351 Office Park Place, Suite 151
Melbourne, FL 32940
Bankruptcy, Criminal Defense, Divorce and Personal Injury
Nova Southeastern University and University of South Florida
Arna Cortazzo grew up in South Florida. Her love for the ocean and Florida's beaches began at a young age, so did her quest for justice.
As a lawyer, Arna has protected the rights of Floridians for more than 30 years. While in her last year of law school, Arna began the practice of law in the juvenile division of the Broward County Public Defender’s office as a legal intern certified by the Florida Supreme Court. Upon graduation from law school and passing the...
Joseph Brien
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Joseph Brien
Hollywood, FL Bankruptcy Attorney with 31 years of experience
(954) 320-6940 Suite 204
Hollywood, FL 33020
Bankruptcy, Business, Consumer and Foreclosure Defense
Nova Southeastern University
Born and raised in Canada and the United States, I have been representing people and small businesses in legal matters for over 22 years.
David Kyle Blazek
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David Kyle Blazek
Boca Raton, FL Bankruptcy Lawyer with 29 years of experience
(561) 716-1491 1825 NW Corporate Boulevard
Suite 110
Boca Raton, FL 33431-8559
Free ConsultationBankruptcy, Business, Estate Planning and Real Estate
University of Wisconsin Law School
Aron Szabo
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Aron Szabo
Fort Lauderdale, FL Bankruptcy Attorney with 15 years of experience
(954) 210-6054 1391 Sawgrass Corporate Parkway
Fort Lauderdale, FL 33323
Bankruptcy, Business, Foreclosure Defense and Immigration
Aron is a federal attorney and is licensed to practice law in Florida and in District of Columbia. Due to Aron’s diverse background of growing up and being educated throughout Europe he has the ability to reach out and connect with people on an international level. A. Szabo attended Nova Southeastern University’s H. Wayne Huizenga School of Business & Entrepreneurship, where he majored in Business and obtained a minor in Marketing; Aron was placed on the Dean’s list numerous times both during his undergraduate and graduate studies for his outstanding academic achievements. After graduating college, Aron decided to go...
Neil Jay Buchalter
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Neil Jay Buchalter
Melbourne, FL Bankruptcy Attorney with 44 years of experience
(321) 205-0900 2290 W. Eau Gallie Blvd., Ste. 212
Melbourne, FL 32935
Free ConsultationBankruptcy, Business, Foreclosure Defense and Tax
Shepard Broad Law Center, Nova Southeastern University
Neil J. Buchalter, J.D., Attorney at Law, is the founder of Neil Buchalter, P.A. and Buchalter & Pelphrey Attorneys At Law. These law firms have represented individuals and businesses in Brevard County for over 45 years. Mr. Buchalter was raised in Brevard County, attended public and high school in Brevard County and attended college and law school in Florida. His ties with Florida have been throughout his entire life.

Aggressive, dynamic, innovative, and compassionate, Mr. Buchalter brings a skill set that is unique to Brevard County. His knowledge and experience enables him the ability to provide sound solutions and maximum protection...
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