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Bankruptcy Law

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Bankruptcy Law

The decision to file bankruptcy is not easy.  The stress of not being able to pay your bills, the constant calls from creditors, threats of litigation, can be emotionally taxing on you, which in turn affects your health and your loved ones.  Some people view bankruptcy as a "shame", others as an "admission of failure".  For whatever reason has led you to my website, you need to know that you are not alone.  The decision you are making is a personal business decision, forced upon by the current distressed economy that is affecting all of us.

Many of the bankruptcies that I have filed for individuals have centered on "credit card" debt. For the most part, credit card debt is dischargeable, but there are certain instances when a credit card company will protest the discharge of its debt by filing an adversary proceeding. An adversary proceeding is a lawsuit that requests that the Court find that your debt is not discharged in bankruptcy. I have represented clients in these lawsuits, with favorable results.

I am certified by the Bankruptcy Court for CM/ECF filing (electronic filing).  To make sure that we schedule all of your creditors in compliance with the due diligence requirement of the court, I am authorized to access online, your credit reports, so that we can download all of your current credit information.

Regarding attorney fees for my services: For the most part, I charge a flat fee for the services I will perform. Those services in general are: preparation of your petition, appearance at creditor hearings, fielding telephone calls from your creditors, and other matters related to the general administration of your case.

The fee I charge is determined upon the complexity of the case because each case is different. Some are simple and straightforward, and others are complex, especially since the implementation of the new bankruptcy rules in 2005.  If you afford me the opportunity to review your financial situation, I will be in a position to quote you the charge for my services.

If you are considering filing for bankruptcy, whether it is Chapter 7 or 13, please feel free to call me to discuss your concerns. If you have any other legal questions you would like to ask, please call. If I am unable to help you with your special problem, I can always refer you to someone who can. I do not charge a fee for an initial consultation.

(A Debt Relief Agency)

(A Debt Relief Agency)