Bankruptcy Service Chart
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| Fax notice of representation to all your creditors within 48 hours from retaining our office. | We have a database of fax numbers and addresses for over 1500 creditors. As we have been practicing in bankruptcy since 1997, we have developed software that we use to send out notices to all of your creditors within 48 hours. This protects you immediately from harassing phone calls and will also lay the groundwork for filing adversarial proceedings against any creditor who continues to attempt to communicate with you even after we have informed them of our representation. | ||
| Your case is handled by me the attorney, from the initial meeting until I get you the discharge, I will be the only person you will communicate with regarding your case. | We recognize the embarrassment, pain and stress that comes with the threat of bankruptcy. That is why we make it our mission to treat all our clients with dignity, compassion and respect. You are not just a case number for us. You are our client. We do not have paralegals or assistants handling your questions or concerns. If you have a question, you may always simply call or email me. If I am available, I will answer your call immediately, otherwise I will return all calls within 24 hours. Emails are welcomed and preferred. I get all emails on my phone and can respond at times where I otherwise would be prevented from using the telephone (when in court or at a hearing waiting to be heard, for example). | ||
| I will represent you personally at the creditors hearing, also known as the 341(a) Meeting. | The meeting of the creditors is the first time that you are questioned under oath with regards to your debts, income, expenses and financial history. Naturally, this can be stressful. Having an attorney who is intimately familiar with your case, with whom you have met and with whom you have communicated throughout the preparation of your bankruptcy petition, is the key towards making this simple and stress free. | ||
| I will represent you in any relief from stay actions. | In certain instances, creditors may initiate action in bankruptcy court in order to recover as much of your property as they can. If you want to keep that property, we will represent you and protect your rights and what you own to the very limits of the law. | ||
| We will represent you in reaffirmation agreements. | Sometimes you may find it advantageous to sign a reaffirmation agreement. This is useful only if the creditor agrees to negotiate better terms on a property loan (assuming you want to keep that property) or for other types of payment agreements (on a car, for example). In these instances, we will communicate on your behalf with the creditor, and work to obtain better credit terms for a reaffirmation agreement. | ||
| I will represent you in any proceeding involving an objection to your discharge. | In certain instances, a creditor or a United States Trustee may initiate action to dismiss your case, denying you a bankruptcy discharge. If we agreed to represent you, we will vigorously defend you and your right to file bankruptcy. If during our initial interview I determine that there is a high probability that you will NOT be granted a discharge, we will advise you against filing bankruptcy. I will not take a case where I do not believe we can help you. | ||
| I will represent you in any proceeding to determine whether a specific debt is nondischargeable. |
In certain instanced, a creditor may seek to deny discharge of a particular debt. If during our initial interview I determine that there is a probability of an objection being filed by a creditor, you will be advise of the risks and what options are available to you so that you can make an informed decision prior to beginning the process. If we agreed to represent you, we will vigorously defend you and your right to discharge of all your debts. | ||
| I will continue to represent you in any pre-bankruptcy debts that may continue to arise after the grant of discharge. | After discharge is obtained and your bankruptcy is complete, should any creditor communicate with you, we will represent you in stopping any further attempts at collecting from you and if necessary, we will file lawsuit against the offending creditor for violating the discharge order. | ||
| I will continue to provide help in rebuilding your credit | We will continue to provide you with resources and information that will help you rebuild your credit. We publish information that will help you on our website, and will email periodically any new information we obtain that we think will help you in rebuilding your credit. |
