Frequently Asked Questions

Questions
Any Questions?

 What should the customer know about your pricing?

     We have been offering our most successful payment program for the past year and we will be continuing forward with it for the indefinite future.   We call the program “file now pay later” and it is essentially a zero down Chapter 7 with monthly payments for up to 12 months. This plan covers everything so it is kind of a “no brainer” for most of our clients: Attorney’s fees for document preparation and filing petition -court filing fees -credit report if needed -credit counseling classes (2 required) -Appearance of attorney at the 341 hearing.      To qualify for file now pay later all you need is a job and a bank account. If you have those two things and you need to file bankruptcy right now call us today.  We also have some great cash programs for anyone who actually has cash to pay for their bankruptcy.  All of our fees are all flat fee based unless the case becomes contested which happens about 2% of the time (very infrequently).  Our cash programs start at $750.00 for a Chapter 7 and zero down for a Chapter 13.*

What is your typical process for working with a new customer?

     We like to meet face to face (if possible).  Our FREE initial consultation is designed so that our potential new clients can see just how comfortable and at ease we will make the process of filing for bankruptcy. We really do empathize with our clients and their current, oftentimes stressful circumstances. However, if necessary we can conduct much of the business over the internet and telephone especially in outlying areas like Vernal, Duchesne, Brigham City (you get the picture).

What education and/or training do you have that relates to your work?

I was born and raised in Salt Lake City, Utah.  I chose to attend law school at McGeorge School of Law, University of the Pacific in Sacramento, California because of the sch0ols incredible bar pass rate in California.   My dad was an attorney in Salt Lake who had done a lot of litigation in California and he told me that some of the best lawyers he ever worked with attended McGeorge.  I graduated in 1995 and then returned to Salt Lake City and I have been practicing law, including bankruptcy ever since I flew back to California in July of 1995 to take the bar exam.  I became of member of the California bar in November 1995.  I then took the Utah bar exam in February of 1996 and became a member of the the Utah State Bar in May of 1996.  I was eligible because of high scores in California to become a member of the State Bar of Colorado, the Minnesota State Bar and the Washington D.C. Bar.  I opted for Colorado, but never applied for the others sensing that I would never practice in either of the other jurisdictions.

How did you get started doing this type of work?

    One of my favorite electives in law school was bankruptcy law. When I started my law practice it just made sense to focus on bankruptcy. I don’t think everyone appreciates how great it is that we have bankruptcy relief available in this country. Many years ago racking up a bunch of bad debt would land you in debtor’s prison.  Bankruptcy was by far one of my favorite courses of study in law school.  It was a natural for me to make that a focus of my practice.  I can honestly say that my experience as a bankruptcy practitioner has been pretty amazing. I have helped literally hundreds of clients received a discharge of their debt.  This is debt that they never thought they would ever see go away. Every client I have represented had a story to tell,  a real reason to file bankruptcy.

What types of customers have you worked with?

We have clients from all walks of life. We have had clients who have been devastated by the loss of a job, terrible accident or sudden illness. We have clients who were real estate developers worth millions of dollars who lost everything during market crashes. You name it and we pretty much have seen it. I think the interesting thing about bankruptcy is that it can affect anyone quite literally. I think the biggest thing I have to overcome with clients is their thinking that they have somehow failed to be in this position. I can honestly say that, that is not my experience. If I have had as many as 5% of my clients try to get a bankruptcy who did not really qualify or deserve the relief I would be surprised.

Describe a recent project you are fond of. How long did it take?

– Very Upset Woman Holding Her Many Credit Cards.

I can’t think of one specific case that I enjoyed working on more than any others, but I think helping people save their homes or cars is pretty satisfying. Honestly, the cases where the client(s) has a lot of property that they don’t want to lose are the biggest challenges and so they take the most thought process for us to prepare correctly. We file Chapter 13 cases in those situations and a Chapter 13 plan can be any where from 1% return to unsecured creditors to 100% interest return.

What advice would you give a customer looking to hire a provider in your area of work?

Meet them first and make sure that you are comfortable with their personality as well as their advice. Not all attorney’s are a good fit for the client. Some attorneys are “all business” and if your personality is “all business” you will get along great. However, if you feel like you are being belittled or talked down to run (don’t walk) away because the relationship will only deteriorate further from the initial consultation. On the other hand, if you can appreciate a friendly, compassionate, low key, caring, non-judgmental law team then you should come in and see us. We are not here to judge anyone, we are all about helping you get a discharge of your debt as painlessly as possible.

What questions should customers think through before talking to professionals about their project?

     I think most people want to know first of all if they can keep their property, real estate and personal property. They should also ask what they stand to lose, if anything, because not all bankruptcies fit every situation. For example, if you could lose your home in a Chapter 7 you may want to consider a Chapter 13 instead. Many want to know what debt is never dischargable in bankruptcy, which involves tax debt, student loan debt and family obligations like alimony & child support. Another important thing to really consider involves secured debt: -home – how far behind are you? Can you catch up the arrearage or no chance. -automobiles – are you behind? if you so can you catch it up before we file? Are you sure you really want to keep the car?? (Hint: We can help you get into a new car loan as soon as we file so you don’t have to keep a bad car loan deal where you are upside down).

*Emergency