Our business hours are mon 09:00 am-08:00 pm, tue 09:00 am-08:00 pm, wed 09:00 am-08:00 pm, thu 09:00 am-08:00 pm and fri 09:00 am-03:00 pm. More about us: in need of: debt settlement, loan modification, bankruptcy, foreclosure assistance and debt management? call sj packman and associates today and see if you qualify. Our products and services include bankruptcy help, debt consolidation, debt negotiation, debt settlement and foreclosure assistance.