Andy Carroll grew up in a traditional blue-collar family in Atco, NJ. He attended a vocational high school with the intention of pursuing a career in construction. During high school, he discovered martial arts, which sparked his passion for history and the Japanese language. By the time he graduated, his interests had shifted, leading him to pursue college studies with the goal of teaching Asian history.

Andy attended La Salle University, where he earned a dual major in history and East Asian history, along with a minor in religion. Graduating magna cum laude, he ranked near the top of his class. He then pursued his graduate studies at the University of Pennsylvania, excelling in East Asian history.

Despite his academic achievements, Andy felt a strong pull toward the legal field. This ultimately led him to attend Temple University's Beasley School of Law, one of the nation's top law schools. There, he excelled in trial advocacy and evidence. Since becoming a licensed attorney, Andy has represented thousands of clients in bankruptcy, foreclosure, and other debtor-creditor-related matters.

With this diverse background, Andy has developed a deep understanding of his clients' financial situations. By dedicating many years to exclusively practicing New Jersey bankruptcy law, he has honed the knowledge, experience, and insight that he leverages to benefit his clients.