What should the customer know about your pricing?
I have been offering our most successful payment program for the past few of years and I will be continuing forward with it for the indefinite future. I 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 but the filing fee so it is kind of a “no brainer” for many of my clients: Attorney’s fees for document preparation and filing petition -Appearance of attorney at the 341 hearing. (Currently by telephone or Zoom meeting) To qualify for file now pay later all you need is a job, income of $2000 a month or more and a bank account. If you have those two things and you need to file bankruptcy right now call me today. I also have some great cash programs for anyone who actually has cash to pay for their bankruptcy. All of my fees are flat fee based unless the case becomes contested which happens about 2% of the time (very infrequently). The cash programs start at $1,000.00 for a Chapter 7 and $500.00 zero down for a Chapter 13.
What is your typical process for working with a new customer?
I used to like to meet face to face but that is no longer reasonable or necessary. My FREE initial consultation by telephone or email is designed so that potential new clients can see just how comfortable and at ease I can make the process of filing for bankruptcy. I really do empathize with my clients and their current, oftentimes stressful circumstances. Now we conduct all of the business over the internet and telephone, which I used to only do with clients in outlying areas like Vernal, Duchesne, Brigham City, so it really doesn’t matter where you live.
What education and/or training do you have that relates to your work?
I was born and raised in Salt Lake City, Utah. I attended law school at McGeorge School of Law, University of the Pacific in Sacramento, California. I graduated in 1995 and returned to Salt Lake City and I have been practicing law here since coming home. I flew back to California in July of 1995 to take the California 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 also became a member of the State Bar of Colorado in 1996.
What types of customers have you worked with?
I have clients from all walks of life. I have had clients who have been devastated by the loss of a job, terrible accident or sudden illness. I have clients who were real estate developers worth millions of dollars who lost everything during market crashes in 2008. I think the interesting thing about bankruptcy is that it can affect anyone. I think the biggest thing I have to overcome with clients is their thinking that they have somehow failed in life to be in a situation where bankruptcy has become the only reasonable option. Occasionally I have had a potential client where I thought bankruptcy would not be a good idea, or who actually did not qualify (very rare circumstances) but that is unusual. I can help 99.9% of the people who follow my advice.
What advice would you give a customer looking to hire a provider in your area of work?
Contact them and discuss your situation and make sure that you are comfortable with their personality as well as their advice. Not all attorney’s are a good fit for every client. Some attorneys are “all business” and if your personality is “all business” you will get along great. But if you feel like you are being belittled or talked down to 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 lawyer then you should reach out to me. I are not here to judge anyone, I am all about helping you get a discharge of your debt as quickly and 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 should seriously consider a Chapter 13, which takes longer and requires monthly payments, but you get to keep your non-exempt property.
Many want to know what debt is not dischargeable in bankruptcy which is tax debt, student loan debt and family obligations like alimony & child support.
Another important question is what if your home is in foreclosure, can bankruptcy help. The answer is “yes” if paying the arrearage over 36 to 60 months could be accomplished within your personal budget. Can you catch up the arrearage or is there really no chance. Automobiles are a little bit different if you are behind? You cannot be behind on car payments and put the past due amounts in your plan. Then you must consider if it is really a good idea to keep the car and the payment that goes with it?? I can help you get into a new car loan as soon as your case is filed so you don’t have to keep a bad car loan deal, you can surrender the car to the lender.