1 /5 Brandy Hullander: I have never in my life someone so insensitive about one’s situation in my life. He and his staff (wife) have an air about themselves that they are better than their clients. In our second year, I asked how we should handle our taxes, Jack proceeded to brow beat me as to how irresponsible “most” people are with their refund. We used our refund to do repairs on our house. When my husband changed careers, we reported it immediately. It was near Christmas time and Jack proceeded to tell us that having children has caused so many people to file bankruptcy so they were extremely happy that he and his wife didn’t have children, as they were a burden. After our bankruptcy was finished Jack made no attempt help show us how to get the title of our vehicle or how to start paying our house payment. Instead, he gave me the name and number of the attorney that our house payment was made to. She was infuriated that she was not contacted by our attorney. I pray that I never have to go into bankruptcy again, but in the event that we do...it will not be Jack Setters...ever.