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19 Jul, 2020 by Anonymous
Mr Swift helped me with my filing for bankruptcy. He made me feel comfortable and reassured me this not the end of the road. He was thorough with all of my questions. He and his staff we’re all friendly and helpful! I’m so glad I found him online to help me with my filing!
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16 Jul, 2011 by Jon & brenda
When we met Tim in 2006 we were really in a bind. We had a mountain of debt, our house was in foreclosure, we were facing wage garnishment, and we were dealing with the possibility of being sued. To say the least, we were desperate and hopeless. After our first consultation with Tim we started to see light at the end of the tunnel, and for the first time, believed it was not a train. To start with, Tim became a shield between us and the creditors that were constantly calling. I cannot even begin to tell you what a relief that was! Tim not only handled our bankruptcy with professionalism and intelligence, but also with class and grace. He is very knowledgeable regarding bankruptcy laws and litigation. He did not treat us as deadbeats, in fact, he made us feel like we were not bad people. He helped us understand sometimes good people go through difficult financial times and need to just start over. He did that for us. Now, five years later, we are on the verge of buying a house, we have had no trouble getting decent cars, and we are completely back on our feet. Thank you Tim for not only what you did for us, but also how your handled our case with kindness and understanding!
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30 Sep, 2024 by Andrew mcelvain
I cant stress enough the phenomenal work Mr. Lance Wood put into helping me with my case. I was accused of Domestic violence and strangulation. Mr wood thoroughly examined the half hearted attempt at an investigation on the military’s side, and one sided review of an allegation with no support. Mr. Wood was always available when i would call or text even with the dilemma of being hours apart in different time zones. As nerve racking as my administration separation board was, Mr. Woods confidence and knowledge of regulation shut down multiple attempts at a flawed attempt to bring detriment to my character. Mr. Woods hard work and commitment resulted in a unanimous decision among the board members for retention in the Army, and unfounded accusations. The efforts and work Mr. Wood put in to achieve this outcome has drastically affected my life, I can move on with my career and continue to lead soldiers and be in my career field Im passionate about. I will be forever grateful that he removed a heavy weight from my shoulders, this career means everything to me and Mr. Wood could see that. And i could clearly see that Mr. Wood was passionate about his career field and proving and ensuring the justice system was not just a check the block system. I would recommend this counsel under any circumstances.
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20 Sep, 2024 by Ulysses avila
I am writing this the day after being acquitted. I feel that I owe a thorough review to give the you the most transparent information. 1. Stages when charges were preferred: I spoke with many attorneys, but Lance stood out from the rest. He was easy to talk to, easy to get a hold of, I could text him directly and he would promptly respond, he was willing to offer useful insight without charging a dime. I did not immediately hire Lance because the preliminary hearing had went in my favor. 2. Preliminary hearing is NOT binding: because of the prelim going well I did not seek counsel and stayed with TDS. What I was not aware of was that the convening authority ignored the preliminary hearing officer’s determination and proceeded with a general court martial. 3. TDS: trial defense counsel absolutely care about you, however their abilities to create a strong case for you is extremely limited. They are often less experienced than the prosecution and can be intimated by the judge. They often have to request permission from the government to produce witnesses, experts, etc. which they almost always will deny unless it benefits their case against you. 4. Pre-motions hearing: because the government will deny everything, your TDS will likely have to compel the judge to make the government agree to your requests. This is where I got to watch my TDS awkwardly stumble through cross examination and convince the judge of literally nothing. I felt sorry for them and it was my case. 5. After the hearing it became extremely evident I was going to lose my trial and potentially face 3 years confinement, bad conduct discharge and affect my abilities to be a father. My TDS was sympathetic, but already felt defeated. 6. Why does any of this matter and how does this relate to Lance? After leaving the TDS office, I called military trial defenders and Lance got a hold of me later that day. He filed a motion of entry and from the moment he began representing me there was a significant shift from the government. Suddenly they became cooperative, were willing to talk to Lance and agree on stipulations. No more games, no more dodging TDS calls. 7. At this stage I got to watch Lance slowly and methodically lock the government into a very tight arena. 8. Trial: we went with a panel (jury) over judge alone. Lance is extremely good at attention to detail during jury selection. This is often an underrated process that is crucial when deliberation comes. After jury selection opening statements, witnesses, exhibits and instructions for the panel. what I noticed was the the panel was very reciprocal of Lance, they were very engaged when he spoke and would often nod and passively agree with his arguments. The judge was also very positive to Lance. The judge agreed to all of Lance’s arguments of stipulation and instructions over the governments because he was better able to articulate it. Lastly, even the prosecutors would often try to get lance’s attention and try to joke with him. Lance was respectful and stayed focused. “We’re just going to object to everything, this is what we do” the prosecutor laughed. He knew he was losing. Bad. 9. Lance is willing to call you the stand if it makes sense. He will prepare you and produce a very limited scope to which the government can cross examine. You still have to be mindful, but Lance will absolutely set you up for success on the stand. The panel is EXTREMELY engaged When the accused takes the stand. 9. Closing arguments. This was the only time the prosecution put on a strong show. But even then, Lance is phenomenal at closing arguments. There are many other reviews to support this. I cannot stress enough how crucial a strong closing argument is. It is the last thing the panel gets before deliberation. It is the freshest content on their mind and is the final tip to your case. 10. Deliberation. From the very beginning to the end. Lance was always at a 100%. The panel made a determination within 10 minutes and the verdict was not guilty. Thank you Lance. I owe my freedom to you.
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27 Aug, 2024 by Michael bower
Lance was very compassionate, thorough, and competent in my representation. He achieved the outcome he wanted and I am grateful. He advised me differently than other attorneys based on my circumstances and his years of experience, and because of this, all charges were dropped and dismissed. I highly recommend Lance and his team and if given an opportunity to do different, I would definitely retain him again.
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24 Apr, 2024 by Maureen rayner
Great lawyer with solid advice and counsel. Highly recommend!
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20 Feb, 2024 by Joerhamilton
I retained Clawson and Clawson to represent and guide me through the complicated and confusing Colorado Workman’s Compensation system. Michael Clawson personally handled my case and his paralegal, Tammy stayed on top of every detail. The entire staff is very approachable, helpful, and responsive. Thanks to their expertise and perseverance I was awarded a very fair settlement. I highly recommend Clawson and Clawson, LLP without reservation. Respectfully, J. Hamilton
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05 Feb, 2024 by Leonard garcia
The Best! From the first phone call to the day my divorce case was finalized(appox 1.5 yrs) Mr. Clawson, Natalie Buer, and the entire staff embraced me with care, honesty, and integrity. I was granted a favorable decision due to all the hard work and intelligence of Clawson and Clawson Law firm. If you wish to be represented by one of the best i highly recommend !!
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27 Jul, 2024 by Amanda shea
Very caring and nonjudgmental staff. Answered any and all questions. Very thorough and organized. Friendly and welcoming with friendly dogs to pet. The fees that was charged was reasonable. I would recommend them to anyone needing to file bankruptcy.
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27 Jul, 2024 by Larry
I am a current client of Jack and I can tell you if you want your bankruptcy case done right and thorough this is the man to see he is professional and friendly and he has an excellent staff so if you have to file bankruptcy Jack McLaughlin is the attorney to see don't go anywhere else
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26 Jul, 2024 by David bowen
Jack, Sue Kyle and Jill are Awesome! They answer every question you have. If your concerned or nervous they are calm and solve the issue. Very understanding and very nice, sincere. Its a long process and they know what it takes! Very professional! Thank you!!!
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05 May, 2016 by Anonymous
I can't say enough good things about Jeff Mohrmann. He was able to help me deal with a very complicated situation and fully advised on my bankruptcy options. While my case was complicated by a nasty divorce, his knowledge and professionism kept things on track and I was able to get through things with his help. Highly recommend Jeff if you need any help with bankruptcy.
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16 Dec, 2015 by Casey
Our experience working with Jeff was exceptional. Throughout our case, Jeff was always quick to respond to questions and demonstrated a thorough knowledge of legal process. We always felt that Jeff was truly representing our interests and appreciated his honesty and integrity.
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29 Sep, 2014 by Sarah
After my health insurance refused to pay my medical bills I found myself in the worst financial situation of my life. I was embarrassed about facing bankruptcy but Jeff's knowledge, empathy and positive outlook on the process gave me confidence and made me realize I was making the right decision. My credit is now better than ever and I am finding financial freedom. Regardless of what life situation has brought you to the table, Jeff will handle your case with utmost care. I cannot recommend Jeff and Rouge Mountain Law highly enough.
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What a Bankruptcy Lawyer Can Do for You

A bankruptcy lawyer specializes in helping individuals and businesses manage overwhelming debt by filing for bankruptcy or exploring alternatives to bankruptcy. They guide clients through the complex legal process of discharging or restructuring debts, represent them in court, and work to protect assets such as homes and cars. Bankruptcy lawyers can also help stop creditor harassment, wage garnishment, and foreclosures through bankruptcy protections.

If you're facing financial hardship, a bankruptcy lawyer can help you decide whether filing for bankruptcy is the right option and assist you through the legal process.

When Should I Hire a Bankruptcy Lawyer?

You should consider hiring a bankruptcy lawyer in the following situations:

  • Unmanageable debt: If you're unable to pay your bills and debts are piling up, a lawyer can help you explore options such as Chapter 7 or Chapter 13 bankruptcy.
  • Foreclosure or repossession: If your home is at risk of foreclosure or your vehicle is in danger of being repossessed, a bankruptcy lawyer can help you use bankruptcy protections to prevent this and potentially reorganize your debts.
  • Wage garnishment: If your wages are being garnished, filing for bankruptcy can stop garnishments and allow you to regain control of your finances.
  • Creditor harassment: If creditors are constantly calling or sending collection notices, a bankruptcy lawyer can stop these actions by filing for bankruptcy, which enacts an automatic stay that halts collection activities.
  • Small business debt: If your business is struggling with debt and cannot meet financial obligations, a lawyer can help you file for Chapter 11 (reorganization) or Chapter 7 (liquidation) bankruptcy.
  • Medical debt or credit card debt: If you have large amounts of unsecured debt like medical bills or credit card balances, a bankruptcy lawyer can help you seek relief through Chapter 7 or Chapter 13 bankruptcy.

Hiring a bankruptcy lawyer early in the process can prevent further financial damage and help you choose the best legal option for debt relief.

What Does a Bankruptcy Lawyer Do?

A bankruptcy lawyer provides a range of services to help individuals and businesses handle their debts. Their responsibilities often include:

  • Evaluating your financial situation: Assessing your income, assets, debts, and expenses to determine if bankruptcy is the right option and which type of bankruptcy (Chapter 7, Chapter 13, or Chapter 11) best suits your situation.
  • Filing bankruptcy petitions: Preparing and filing the necessary documents to initiate your bankruptcy case, ensuring that all legal requirements are met.
  • Stopping creditor harassment: Once the bankruptcy case is filed, an automatic stay is enacted, which stops creditors from pursuing collection efforts. A lawyer ensures this protection is applied immediately.
  • Representing you in court: Representing you in court proceedings, including meetings with creditors and any hearings related to your case.
  • Negotiating with creditors: In Chapter 13 or Chapter 11 bankruptcies, negotiating a repayment plan that restructures your debts and allows you to manage payments more effectively.
  • Advising on asset protection: Guiding you on how to protect certain assets, such as your home or retirement savings, through available bankruptcy exemptions.
  • Explaining the impact on your credit: Informing you about how bankruptcy will affect your credit and advising on steps to rebuild your credit post-bankruptcy.

How Are Bankruptcy Lawyers Paid?

Bankruptcy lawyers typically charge for their services in different ways depending on the complexity of the case and the type of bankruptcy being filed. Common payment structures include:

  • Flat fee: Many bankruptcy lawyers charge a flat fee for handling Chapter 7 or Chapter 13 bankruptcy cases. This fee usually covers the entire process, from preparing and filing paperwork to representing you in court.
  • Hourly rate: For more complex cases, such as Chapter 11 bankruptcy (often used by businesses), some lawyers charge an hourly rate. Hourly rates typically range from $150 to $500 or more.
  • Retainer: In cases where ongoing legal services are required, such as in Chapter 11 bankruptcies or complex Chapter 13 cases, a lawyer may request a retainer, which is an upfront payment billed against as the lawyer works on the case.

It’s important to discuss fees with your lawyer upfront, as bankruptcy law requires lawyers to disclose all fees and ensure they are reasonable and fair.

How Much Does a Bankruptcy Lawyer Cost?

The cost of hiring a bankruptcy lawyer varies depending on the type of bankruptcy and the complexity of the case. General cost estimates include:

  • Chapter 7 bankruptcy: For individuals, legal fees usually range from $1,000 to $3,500. This flat fee generally covers the entire process.
  • Chapter 13 bankruptcy: For individuals filing Chapter 13, legal fees typically range from $2,500 to $6,000. This cost is higher because of the additional work required to create and manage the repayment plan.
  • Chapter 11 bankruptcy (for businesses): Chapter 11 bankruptcy is more complex and usually more expensive, with legal fees ranging from $10,000 to $50,000 or more, depending on the size of the business and the complexity of the debt restructuring.
  • Filing fees: In addition to legal fees, there are also court filing fees, which are $338 for Chapter 7 and $313 for Chapter 13 as of 2024.

Always ask for a detailed cost estimate during your consultation to understand what services are included and whether payment plans are available.

Top Questions to Ask a Bankruptcy Lawyer

Before hiring a bankruptcy lawyer, it’s important to ask key questions to ensure they have the experience and knowledge to handle your case effectively. Key questions to ask include:

  1. What experience do you have with bankruptcy cases?
    Ensure the lawyer has experience handling cases similar to yours, whether it's Chapter 7, Chapter 13, or Chapter 11 bankruptcy.
  2. How do you charge for your services?
    Clarify whether the lawyer charges a flat fee or hourly rate, and ask for a detailed breakdown of costs, including filing fees and additional expenses.
  3. Which type of bankruptcy is best for me?
    Ask the lawyer to explain whether Chapter 7, Chapter 13, or Chapter 11 is the best option based on your financial situation and long-term goals.
  4. What debts can be discharged?
    Ask which of your debts will be forgiven through bankruptcy and which debts (such as certain taxes or student loans) may not be dischargeable.
  5. How long will the process take?
    Bankruptcy cases can take time to resolve, so ask the lawyer how long they expect the process to last, from filing to discharge.
  6. Will I be able to keep my assets?
    Ask if you will be able to keep important assets, such as your home or car, and what exemptions might apply.
  7. What happens after bankruptcy?
    Ask about the impact of bankruptcy on your credit score and what steps you can take to rebuild your credit after the bankruptcy is finalized.

How to Check the Credibility of a Bankruptcy Lawyer

To ensure you are hiring a reputable bankruptcy lawyer, follow these steps to verify their credentials and track record:

  • Verify their bar status: Check with your state bar association to confirm that the lawyer is licensed to practice law and has no history of disciplinary actions.
  • Look for bankruptcy experience: Review the lawyer’s website or professional profile to ensure they specialize in bankruptcy law and have successfully handled cases like yours.
  • Read client reviews and testimonials: Look for client reviews on platforms like Avvo, Martindale-Hubbell, or Google to see what previous clients have said about the lawyer’s professionalism and ability to handle bankruptcy cases.
  • Ask for references: A reputable lawyer should be able to provide references from past clients who have worked with them on bankruptcy matters.
  • Check for certifications or memberships: Look for lawyers who are members of organizations such as the National Association of Consumer Bankruptcy Attorneys (NACBA) or who have specialized bankruptcy law certifications.

What Should I Prepare for My First Consultation?

To get the most out of your first consultation with a bankruptcy lawyer, it’s important to come prepared with relevant documents and information. Here’s what you should bring:

  • List of debts: Prepare a detailed list of all your debts, including credit cards, personal loans, medical bills, and any secured debts such as mortgages or car loans.
  • Income and expense records: Bring documents that show your current income, such as pay stubs or tax returns, and a list of your monthly expenses, including rent, utilities, and other essential costs.
  • Asset information: Provide information on any assets you own, such as your home, car, investments, or other valuable property.
  • Credit reports: If possible, bring copies of your credit reports to give the lawyer a clear view of your financial situation.
  • Questions for the lawyer: Prepare a list of questions you have about the bankruptcy process, the lawyer’s fees, and what to expect after filing for bankruptcy.

By preparing thoroughly for your consultation, you can help the lawyer assess your situation more effectively and provide the best possible legal advice tailored to your needs.

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