I reached out to Rick in June of 2021 with a nightmare of case dealing with a hospital bill of ~40k due to being taken to an out-of-network hospital back in 2020 by ambulance and my insurance company denying to pay for more than the bare minimum for my stay. I had previously tried for months to work with the hospital and insurance company to no avail. We knew from the get-go that this was going to be an uphill battle but Rick had a calculated and knowledgeable approach of how to tackle this. He was persistent from then on with my insurance company and then the hospital, dealing with all the phone calls (especially with stubborn billing associates), letters, appeals. I was always kept in the loop of things and given the most honest and realistic information from Rick, even if the going was tough. Come now April of 2022, Rick was still advocating on my behalf and was able to finally get the entire bill written off by the hospital – even an outcome that caught me by surprise given how difficult this case was and hopeless I felt at first. Without hesitation, I absolutely can't recommend Rick enough. It was an absolute pleasure to have him as my advocate.