Called Michael and he returned my call in under five minutes. I was never in this situation before and I let my fears get the best of me. When Michael called me back, he took his time and explained to me with different scenarios of my situation until I further understood what kind of predicament, I truly was in. That being said I was told my case should not need a lawyer and he advised me when to take that action and how to resolve this issue on my own right over the phone. 5-star service mahalo!