A friend of mine once said, “Would you try to do your own brain surgery?” And the answer to that is, clearly, “No.” You want an expert who knows what they’re doing. Bankruptcy, while not as life threatening as brain surgery, is still very technical — one of the most technical areas of law.
We pride ourselves on the individual attention we give each and every client and each and every case. I personally will sit down with you at the initial consultation and answer al of your questions. We will go over your credit report together. We provide a copy of your credit report as part of our fees. We also provide the credit counseling classes you are required to take, again as part of our fees — we don’t charge extra for that.
There are many misperceptions about bankruptcy that people worry about. To put your mind at ease, I like to explain to my clients how the process works.
When you file for bankruptcy, a “bankruptcy estate” is created. That means that in a broad sense you don’t potentially own anything anymore. Instead, your bankruptcy estate owns everything that you owned. However, in reality it works a bit differently. There are a series of state law exemptions that we use when we file a bankruptcy. If we exempt something from the bankruptcy estate, it means that it doesn’t become part of the bankruptcy and you get to keep it.
Homeowners sometimes find themselves in trouble by making some common mistakes in filing for bankruptcy.
One of the most important ways to avoid mistakes is by meeting with your attorney before you begin any bankruptcy proceeding. They’ll tell you exactly what to do and, just as important, what not to do.