Competent and there was never the rush to get me out or cut me off. The first meeting took very long because of all my questions. And they would not charge me if I would not have signed up. One important thing was that they explained to me what will happen to my credit and how I can increase my credit score after filing bankruptcy. The really surprising thing was that my credit actually got better after filing and I got qualified for a better car loan while I still was in bankruptcy. Well, it was not that surprising because I stopped paying on my credit card bills a while ago.