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
Bankruptcy form with money and calculator

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.

 Should You Find You Need a Lawyer, Steve Chambers Can Help

Chapter 7

  • Preparing all schedules, statements and other documents necessary for a complete filing
  • Attending the meeting of creditors
  • Responding to inquiries from the Bankruptcy Trustee
  • Negotiating reaffirmation agreements
  • Filing one amendment (exclusive of court imposed fees). Further amendments are at additional cost.

Chapter 13

  • Preparation of all schedules, statements and other documents necessary for a complete filing
  • Preparation of Chapter 13 Plan
  • Attending the meeting of creditors
  • Responding to inquiries and objections from the Chapter 13 trustee or creditors
  • Amending the plan as necessary
  • Attendance at confirmation hearing (if necessary)

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