I cannot recommend Cutler & Associates highly enough for their outstanding work on my Chapter 7 bankruptcy case. From the outset, my situation was incredibly complex - involving a personal guarantee on an SBA loan, multiple creditors, and layers of financial entanglements that seemed insurmountable. I was overwhelmed and unsure if a successful discharge was even possible, but Stuart, Lincoln and team stepped in with confidence, deep knowledge, and a strategic approach that turned things around. Throughout the process, they were incredibly thorough, explaining every step in clear, understandable terms without jargon. Their attention to detail was impressive; they anticipated potential roadblocks, and navigated them skillfully to ensure everything was resolved efficiently. Despite the difficulties, we achieved a full discharge on July 31, 2025, which has given me a fresh start I didn't think was achievable. What stood out most was their responsiveness - quick replies to my questions, regular updates, and genuine empathy during a stressful time. Fees were transparent and fair, with no surprises. If you're facing a tough bankruptcy, especially one with business loans or complex debts, Cutler & Associates is the one to trust. They truly go above and beyond! 5 stars all the way. read more

Honestly speaking it has been a long time since I had a good experience with an Attorney. It is very difficult to find a good Attorney who can really help you in difficult times of your life. Cutler & Associates have done an excellent job in taking care of my debts. My Attorney Mr. David Cutler have been so help full it is hard to believe that my nightmare is over. Mr. David is very knowledgeable, experienced, friendly, honest and confident professional. He is definitely the best Attorney for filing Bankruptcy. Cutler & Associates are really the best of the best, I will proudly recommend them to any one and every one I know who needs their help. God it 's been a long time since I have been so happy and satisfied with any one. If I can find only 20% people in my life as good as Mr. David & Stuart I will be very happy. Any one reading this please do not think even for a second this sounds too good to be true. Just pick up the phone and call them right know and find out yourself. You are going to be pleasantly surprised. VG Chicago November 2009 read more

Having struggled for years to pay my credit card bills, and living in a cycle of paying and using, I was at my wits end when the credit card companies once again raised my rates after having never made a late payment. The last raise in interest rates, made me realize that short of winning the lottery, I would never be able to pay them off which led me to calling Cutler and Associates. Stuart and David are both extremely accessible, and professional. Stuart did a great job of explaining all of my options, and giving me advice about the process for each and how it would impact me in the long run so I could make an educated decision. He took the time to patiently answer every last question I had about bankruptcy and the process by phone and by text. He made the process as stress free as it could be! read more

I want to say for weeks I was extremely stressed due to my financial situation. I felt I had nowhere to turn I saw Cutler and Assoc. so I put in request to talk to someone. I received a call the same day and had appointment to see David same day.The whole staff so professional and nice. I met with David Cutler I explained my situation of course I broke down and cried and he said we will get you thru this handed me a Kleenex and said it will be ok. He explained everything that would happen and I would be ok. He is an amazing man and very professional and at the same time very caring. I would recommend David Cutler and Associates to everyone. I truly can not say enough about the quickness and professionalism from David and his staff. Lisa read more

Stuart Swanson was recommended to me. My first visit with him was so informative . I immediately felt that he was extremely trustworthy, knowledgeable, and professional. As I worked with him I learned that he is also a compassionate , and understanding professional who cares about his clients. He had all the resources needed which made my process of filing painless and flawless. He was always available to answer any of my questions, returning calls in a timely manor. We used email often as well... I felt totally respected by him and the other associates I met in the practice. I recommend Stuart and Cutler and Associates to anyone who is dealing with financial difficulties. read more

There are many reasons why I decided to hire Mr. Swanson. But the main reason was that he never judged me and made me feel very comfortable. The process was easier than what I had ever anticipated. He always calls you back, emails you back. I never had to contact him more than once to return my call. There are not many lawyers out there that are actually customer focused. I highly recommend him to anyone who's dealing with financial difficulties. And his pricing is very reasonable compared to others. He's cheaper than your Peter Geracy and is so much better. Thank You Stuart Swanson for everything you have done for me. I greatly appreciate it! read more

Credit card debt, collection calls, collection letters all of it can be stressful and embarassing. Stuart Swanson is very unassuming and not judgemental in the least. Everything is told to you up front. My options were laid out for me and he knew which was the best direction for me to go in. Bankruptcy is a scary word, but Cutler & Associates took the fear and embarassment out of it. I can sleep now and I am on the road to credit recovery. Stuart is easy going and is very accessible. I called many times to get advice or just for some reassurance, and he was there every time. This call is one call you will not regret making. Thank you Stuart! read more

Stuart Swanson is truly as good as it gets and comes highly recommended. I was not only leary about filing bankrupt but feeling guilty as well. My first visit with Stuart took that away and put me at ease. He is very down to earth and yet a consummate professional. You don't have to chase him down for a response, he communicates very well and is very accesible by either phone or email. I have seen him in action and I can say first hand that he has no mercy for creditors that harass his clients. His pricing is quite fair and if its true that you get what you pay for I can say that I definitely came out on the better end of the deal. read more

would like to start out and say thank you David Cutler, I just went through a divorce and had a business that failed. David was very knowledgeable and was able to help with both very stress full situations in my life. David sat me down and explained my options and made sure I understood them. When going through these very stress full times, David always told me things will get better. I just finalized my divorce and filled for bankruptcy. Things are just now turning around for me and looking better every day. I found that David is not just another attorney, but he really cares and looks out for your best interest. Thank you P.L read more

Initially, when I decided to look into filing for bankruptcy, I was skeptical. After my first meeting with Stuart Swanson, any fear or trepidation was diminished. He was extremely thorough in explaining the entire process to me and gave me a peace of mind that I have not felt in a long time due to my financial situation. Both he and David Cutler were professional and helpful with any questions or concerns I had. From the outset until our final meeting, the procedure was painless, mainly due to their experience and understanding of clients needs. I would highly recommend them to anyone who is considering filing for bankruptcy. read more

I never thought that I would consider filling for bankrupcy. I kept seeing the ads for legal helpers and I thought I would inquire. The bills kept building and I didn't see any light. Legal helpers told me that I didn't quilify. I didn't believe them so I contacted Stuart Swanson of Cutler and Associates. Stuart was great he walked me through the whole process and told me he could help. Since that first meet ing the bankrupcy has gone through and things are really starting to turn around for me and my new family(Mallory Ray 10/6/09) Thanks Stuart!! read more

These folks were so responsive and organized. They kept it simple, so I didn't need to carry a Legal Dictionary with me to understand what was going on. They also saved me a ton of time and money by letting me do as much as possible electronically. They streamlined the whole process which saved me a ton of stress. I highly recommend this firm. After working as a court reporter, I can honestly say these guys really are great attorneys and not the kind one would want to avoid, but the kind you refer to others. I have done so. Thanks, guys! read more

I went around and talk to lawyers and got alot of prices but, when I contacted Cutler and Associates. They made everything very easy and simple. They went above and beyond anything i needed. Everyone at Cutler and Associates were extremely friendly and helpful. I truly am thankful I called them not only were they the best price but, they are very knowledgeable and communicate very well. Hopefully I dont have to file again but if i do i would go to them again and recommend to anyone who wants honest nice people to represent them. read more

I had initially hired a BK firm in downtown chicago. After experiencing how insensitive they were to my situation I searched to hire another firm. My first call to David Cutler assured me that I had talked to the right person. After meeting with David and Stuart, I felt a sense of relief knowing that I had Cutler and Associates in my corner. They are professional, accessible, and provide some calmness in an otherwise very difficult and emotional situation. read more

A much needed answer in trying times!!!! Stuart Swanson is a straight up gentleman whom offered much needed council in a sober and helpful manner. He was clear and concise in his explanation of the process and execution of his services. He has tremendous sensitivity to your situation and unending energy to the completion of your goals. We are delighted to have found him and would whole heartedly recommend him, as we have done already. read more

I'm very happy that I went to Cutler & Associates, bankruptcy was a hard thing to go through for me and they were there every step of the way. I never had to wait around for them to get back to me. I could tell they care about their clients and I wasn't just a number to them. They are very well organized and I was in and out of my court hearing in just a few minutes. Thanks again to the Cutler & Associates team! read more

There no way to sugarcoat it: filing bankruptcy sucks - it's a strange world and a scary time. Stuart Swanson was exactly the right guy to guide us through it. He was confident and emphatic at a time when any misgivings on our lawyer's part would have made the filing worse. He was in charge from day one all the way through the discharge. He gets our strongest recommendation. read more

As previous clients stated, bankruptcy sucks. Stuart Swanson is the best!!! He took care of everything and was soooooo nice to work with. I may have some new business for him in the near future. I highly recommend him to anyone who needs a great bankruptcy lawyer!!!!! He's available whenever you have a question and explains everything clearly. Don't go anywhere else!!!!! read more

I met Stuart Swanson three years ago, and his entire office has been fantastic. He tells you exactly what the process is, and is straight forward and honest. His staff is top shelf, and Michelle in particular has been a huge help. When I have had questions, their responses have been timely and fair. I would highly recommend this firm to anyone who needs this service. read more