ALL SERVICES INCLUDE:
- Consulting with you about which chapter (7 or 13) is best
- Analyzing your qualification for Chapter 7 under the Means Test
- Planning exemptions
- Explaining the bankruptcy process from start to finish
- Being available to answer questions throughout your bankruptcy
- Preparing the petition and all schedules and other documents
- Attending the meeting of creditors with you
- Responding to trustee or creditor communications and advising you regarding any questions
- Reviewing and advising you about Reaffirmation Agreements
SERVICES NOT INCLUDED:
There are some matters that arise so rarely but that become so time consuming that the quoted fee does not cover them. These are:
- Motions for relief from the automatic stay. This occurs when a creditor wants permission from the court to repossess or foreclose on property such as a car or house. If you are behind in your payments and are not in Chapter 13 with a plan to repay the deficiency there is really no defense.
- Motion to avoid judgment lien. If you have judgments against you they can be avoided (removed) from your house. This requires filing a motion to avoid the lien. There is an additional fee for doing this.
- Adversary proceedings. An adversary proceeding is a lawsuit within the bankruptcy. Creditors sometimes object to discharge of the debt owed to them. The grounds for this are usually (1) that a debt was incurred fraudulently (you lied on a credit application); (2) you caused injury while under the influence of drugs or alcohol; or (3) you willfully and maliciously caused injury. There are other grounds but these are the most common. In addition a creditor or the trustee may object to your discharge in general. This usually occurs when the trustee believes a debtor is hiding property or has not been completely honest in his bankruptcy.