Your call will be answered by a person, not a phone menu. If we are not available a live person will take a message and your call will be returned as soon as possible. At that time basic questions will be answered about bankruptcy and an appointment will be scheduled. Directions will be given if needed, you will be informed what documents you will need to bring to the appointment.
You will be greeted and asked to fill out some basic information. I only ask for very minimal information in order to check for any conflicts. I respect your privacy and your information will not be shared.
You will meet with me, not a paralegal or worse yet support staff. We will discuss your unique situation and I will ask a number of questions that relate to bankruptcy and other matters. We will discuss your bankruptcy and non-bankruptcy options and your questions will be answered. My goal is simply to answer your bankruptcy questions and educate you.
Your appointment will not be limited to 15 minutes, nor will you be charged if your appointment goes beyond 15 minutes. Again, my goal is to get enough information to answer all of your questions. It is not possible to put an arbitrary time limit on this process as so many other attorneys do. By the end of your appointment you should know and understand your options.
Choosing to file a bankruptcy
If you choose to file bankruptcy you will proceed with an attorney. Many firms give you a huge package of forms and send you off on your own to assemble the information. I feel this is my job. You will sit face to face with me, not by yourself and not with support staff. I simply do not believe a bankruptcy can be done properly with a full discussion of the details with a bankruptcy attorney. I will fill out the information and answer questions. You will be given a list of items that will need to be provided and information on where to obtain the mandatory credit consultation. Once you provide the required information, the official forms will be prepared. You are not required to pay anything to begin this process.
Appointment to sign
Once all of the official forms are completed, we will schedule an appointment to sign your papers. Again, you will meet with me. The papers will be reviewed with you, explained to you, questions answered and finally the papers will be signed. It is at this point when all attorney fees must be paid in full. I cannot file your case until all fees are paid or I would be one of your creditors.
After you file, the court will send notice to all of your creditors informing them that you filed and telling them they may not contact you trying to collect debts. I will send you a letter outlining the remainder of the process.
You will receive a notice generally about 10 days after you file. The notice will come from the court. The notice will tell you the date and time of a mandatory meeting. I will be with you and will review the questions that will be asked before the meeting. You will not be alone. I will also be there after the meeting to answer any questions.
After the meeting
After the meeting (or before) you will need to attend the mandatory credit education. You will be given instructions on how to get this done. Your case will then stay open for approximately 90 days after the meeting in order to allow certain time limits to run. During that time, we will work on any reaffirmation agreements for your house or car if necessary. Finally, you will be issued a discharge, which is the court order eliminating most of your debts.