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08 Jul, 2016 by Mike
After using 5 different law firms in Tampa over an eight (8) year stretch to get a modification completed, Karen was the only one to get the task done.
She not only got a reduction in my interest rate from 6.37% to a 2% offer from Fannie Mae on my behalf and the $100,000 arrears attached to the end of my mortgage, she also eliminated $310,000 in personal debt and reduced past income tax liabilities from $252,000 to $26,000.
I've used many attorneys for business reasons over my life and always felt like I was never getting my issues resolved, until I met Karen.
She understands the law and applies it to each client's needs with complete professionalism and is always quick to respond with answers.
If you're in need of an attorney for foreclosure defense or bankruptcy filing, regardless of your circumstances, don't bother to talk to anyone else.
Karen saved me in excess of $500,000 and did so when other Tampa firms just gave me lip service and did nothing but take my money.
Thank You so much Karen
MLB
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18 Sep, 2014 by Stephanie
Karen made my bankruptcy process so easy! She explained everything to me in a way that I understood and was very quick to file my papers when I sent them in to her which made the process even shorter than I had expected. Her professionalism and availability was amazing. Thank you Karen!
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16 Jul, 2013 by Maria
Mr. Abrams was in charge of my case and I have to say that he was very professional throughout the process. He provided me with great guidance and made me feel secure with his great level of professionalism.
He solved my case so fast that I couldn't really believe it. Of course, with a great outcome.
He was always kept me posted and informed with the status of my case.
Sincerely, I have not enough words to thank Mr. Abrams and his staff members.
Aside from being a great Lawyer, he is a great human being who will listen and understand your situation and advise you based on your needs.
I hope that this testimony helps more people that are in need of a great and honest Lawyer.
Thank you again Mr. Abrams for giving me and my family the peace that we were looking for.
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05 Jul, 2013 by Pam
Mr Abrams is the most professional, trustworthy person I have ever met. Most lawyers tell you what they think you want to hear while doing what they do best, which is billable hours. This is not the case with Mr. Abrams. He took over an ongoing lengthy litigation that had only resulted in the lawyers getting rich. He did what was in my best interest and negotiated and settled this situation. I cannot express my gratitude to him during a difficult situation. He talked to me with respect and went beyond the call of duty to see the situation to the end even when there was no monetary gain for him. He is indeed a fine lawyer and an example of an exceptional person. Thank you, Mr. Abrams, words cannot express my gratitude to you.
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30 Sep, 2018 by Anonymous
Camille did a tremendous job from start to finish. During our first meeting, she listened while I explained our situation. She examined the facts and documents of our case and provided recommendations and options of how to proceed. Each time I had a question, she responded very timely. Our case was solved quickly due to her attention to detail, diligence and professionalism. I highly recommend this law firm.
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08 May, 2009 by Anonymous
As a client and a business owner, Camille has been an important strategic and legal partner. She is passionate about achieving the desired result and consistently strives for success. In addition to an experienced, qualified lawyer, she is an inspiring leader who views her client matters as important as her own. Camille is a partner every business and individual should engage when dealing with difficult business legal or contractual matters.
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28 Jan, 2016 by Holly
I was left with temendous debt after my recent divorce. I tried AVVO because I was not happy with my divorce attorney and thought I would take my chances on the site. I was pleasantly surprised to find Dorota! She is honest, intelligent, diligent, competent and efficient.....none of these words could be used to describe my divorce attorney who happened to be a family member!
I was pleasantly surprised to have an immediate comfort level with Dorota. She worked very hard for me and she was extremely reasonable. She did not drag out the process to incur more fees.....as many attorneys do. She was committed to resolving my debt issues as quickly as possible.
HIGHLY RECOMMENDED
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27 Dec, 2011 by Giancarlo gomez
Dorota,
Was very thorough and made sure that I understood every step of the process. She dedicated her time to me individually and made me feel like I was more than just a client. I would definitely recommend her to anyone.
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04 Aug, 2013 by Anonymous
Janet Represented me on several occasions. She was referred by a friend who had used her for her divorce. She helped me prove a change of circumstances and my alimony was eliminated with a short term minimal payment. She was thorough and creative in her approach.
I used her again to review and negotiate a contract for me as well as to assist me with several minor matters that other attorneys I knew thought were too minor for their attention. Janet gave all of them the same level of attention whether she was being paid a couple of hundred dollars or several thousand.
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14 Jul, 2013 by Laila
I have retained Ms. Shepherd several times in the last few years. She was wonderful, caring, responsive, knowledgeable and superb in handling my case. I trust her and would not hesitate to retain her again in the future or to recommend her services to others.
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27 Nov, 2016 by Cynthia
I give kudo's to such a fine Attorney as Ms. Moscato. She is grounded and truly committed to taking care of all your need and at the same time making sure you understand every legal avenue you can take. Ms. Moscato made every step of my legal problems go smoothly and stress free.
Sincerely Thankful that I used
The Law office of Allison Moscato
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24 Jun, 2013 by Peter
Miss Moscato was very knowledgeable in her field. And even though I know that she had dozens more cases that she was working on, she always took the time to answer my many questions in a timely manner. And she always managed to make me feel like I was her top priority at that time. It's very rear today to find an attorney who takes the time to work with you one on one.
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29 Apr, 2017 by Janna
We had a situation that we needed handled asap and Sandra and her team were amazing!! She's very professional and her paralegal Stacey was always easy to reach and always got back to me with answers to my millions of questions. They made the process smooth and seamless and our situation was handled even on the shortest deadline. I highly recommend Sandra Day.
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24 Apr, 2016 by Deborah
From the first moment I met Sandra Day in her office I felt instantly at ease and confident that she was a well-qualified professional in her field. Filing bankruptcy is embarrassing and humiliating, especially when you have been so careful to keep your credit perfect. But sometimes uncontrollable events take place in your life and you are forced to divulge information and go through an unpleasant experience such as bankruptcy.
Sandra made me feel important and valued and always had a smile and positive word for me. Her confidence put me in a calm state and she has a way about her that makes you feel like you've been her friend for years.
Once I left her office with clear, concise instructions and once the bankruptcy was scheduled, Sandra met me at the court and while my heart was pounding a little, she put me instantly at ease once again.
Her fees are very fair and reasonable, her staff, especially Stacey is just as awesome as Sandra is. I highly recommend the Day Law Office to help you restore your life back to normal and feel like a respectable person again.
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29 Jan, 2024 by Joshua
I had a very contentious divorce where relocation of my child out of state was in play. I retained Toni Ross to handle my case. She devoted her heart and soul into making sure that my child would remain in Florida. I felt as if she were part of my family. Needless to say there were many nerve racking days when I needed some reassurance that everything would work out. Toni Ross would ALWAYS return my calls within moments. If she was in court, she would text and tell me when she will be available. At the end of the day, not only did Ms. Ross prevent the relocation, all the other issues ended in my favor. I cannot thank her enough for what she did for myself, my child and my family. She is not only hard working, but she is extremely ethical and fair with her billing. Sincerely, Joshua H.
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25 Jan, 2024 by Alina
Toni can do it all! From family trusts, wills, POA’s, health “advocacy”, real estate, title work, LLC’s to business law. I’ve hired her for all of the above and successfully completed all these transactions.
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01 Aug, 2019 by Teri
Debbie has been my attorney for years with trying to help me recoup child support arrearages. She is knowledgable, compassionate and very professional and I would highly recommend her!
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06 Oct, 2014 by Anonymous
I have a new respect for lawyers now. Deborah walked me through the entire divorce proceeding. There were things I didn't want to hear but she made the experience less stressful. She focused on my children and the impact of divorce on them. I appreciate the honesty and what I could and could not receive. She explained things in a way I could understand. I can't thank her enough for her advice, effort and honesty.
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06 Apr, 2023 by Nb
Disregard the disgruntled, Recalled board member in the review above. She was recalled due to her activities in our community.
Chris is a very thorough and reactive attorney. He is always available and responsive. He advises with his vast knowledge and has been an asset to our community. Do not hesitate to choose him for your legal needs.
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13 Oct, 2014 by Jon
I was in the midst of some very difficult civil matters and exploring possible actions, responses and matters of law. Chris was very knowledgeable, detailed and considered all possible legal actions. I would not hesitate to refer anyone with real estate, bankruptcy or other legal matters to Attorney Wright.
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21 Dec, 2018 by Joe machin
My wife needed advise on settling her mother's state. Mr Piles was very professional and very clear on his recommendations. While, at the same time was very kind explaining things. Taking into consideration he was dealing with an elderly person. To conclude, excellent attorney with great human qualities. Will very highly recommend.
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05 Feb, 2017 by Dan
My In-laws needed to sell their FL condo. Initially we thought it would be a private sell but the buyers fell through.
Juan is also in Real Estate and we hired him. Throughout the listing Juan kept me in the loop since my father-in-law is up in years and mother-in-law was terminal. At least every 3 weeks he would call or e-mail me just so we knew what the status of the listing was.
We didn't have a great amount of time to clean out the condo and he was kind enough to put the final touches and was there every step of the way from offer to closing.
Even when the inspection found issues, Juan found contractors that were far less expensive than what the buyer's realtor wanted to hire.
There is so much more but you get the idea. Dad plan on giving Juan's contact information to all his friends in Florida when they ask for a realtor or lawyer.
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06 Dec, 2023 by Guntis
David has been a incredible trusted lawyer for my wife and I for many years. His calm manner and truly understanding what is important to us is incredible. Very, very knowledgable. I highly recommend David and his firm for your legal bankruptcy needs.
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09 Jun, 2015 by Anonymous
I found the casual atmosphere in your office very refreshing and Daves smile and friendly attitude was greatly appreciated I can't thank you enough for the way you operate your business and the honesty I received from Dave I would recommend your law group to anyone who was in need of a bankruptcy attorney. Thank you and God bless
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20 Jul, 2014 by Anonymous
Erin Baggett is an extremely knowledgeable and professional attorney. She responded timely in the handling of my case and made the process seamless for me. Erin took the time to notify me of the status of my case throughout the entire process and was quick to provide the outcome. She even took the time to explain to me the next steps I needed to take following the court date. Her knowledge of the legal field is not limited. She is willing to do everything she can to ensure the best outcome possible for her clients.
I will definitely recommend her to others looking for a great attorney. Erin is an attorney that can be trusted.
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03 Jul, 2014 by Anonymous
Erin Baggett assisted me in estate planning. She was knowledgeable, provided options and allowed me to design a plan that met my needs. Erin was easy to work with, kept me informed and was available to answer my questions. I would recommend Erin for any legal needs.
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11 Jun, 2014 by Anonymous
Mr. Magaha is the most professional, reliable, and trustworthy attorney I have ever met. He handled a major financial issue for me and it was a smooth process all the way through. He kept me informed of the possible outcomes and updates as they transpired. His paralegal, Glenda, is equally amazing. She is knowledgeable and courteous and always available. Unlike other blood sucking law firms in the Gulf Coast area Mr. Magaha is up front and honest about his fees which are more than fair for the amount of time and effort he puts in. Highly recommend! I wouldn't even consider another attorney.
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08 Mar, 2013 by Renee
Very sweet, honest, tactful attorney. This was my second time utilizing an attorney, and also the best. Didn't judge me or talk down while offering sound advice. Straight forward and easy to talk to. Doesn't rush you to make rash decisions you will regret later. Personally returns your phone calls. He actually took the time to speak with me regarding my problem and advised me before any money exchanged hands without knowing if i would retain him before the office visit. As someone new to Florida, this was the main reason that I hired him. Very professional and he has a very good rap-ore with is secretary who is great as well and they both treated me with the utmost respect. Ms, Glenda is very efficient to. They both are true to their word, and always respond in a timely manner when you call. Up to date with technology which makes it easier to communicate with them when you work a full-time job. I worked the same hours as they did, and they would stay past quitting time to allow me to conduct my business once I got off work even if it was past 5pm.
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08 Jun, 2015 by Anonymous
Peter Blinn filed a Chapter 7 for me and I was very happy with Mr. Blinn and his staff. They were all very patient and knowledgeable. I would definitely recommend his office to anyone in need of chapter 7 bankruptcy.
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22 Apr, 2015 by Anonymous
Mr. Blinn made me feel very informed and comfortable about making the decision to file Chapter 7 bankruptcy. He is very kind and compassionate and really took the time to listen to my questions and concerns and did not make me feel rushed. He is extremely knowledgeable and explained things in a way that I could easily understand. Everything went exactly as he said it would and I was prepared each step of the way. He really made a very hard and depressing thing such as bankruptcy into an easy process and gave me the fresh start that I needed. I have already and will continue to refer people to Mr. Blinn's office.
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29 Jul, 2014 by Tim
I can't say enough good things about Gail. She is not only friendly and kind, but she is very knowledgeable about the bankruptcy process. She kept me informed from beginning to end and patiently answered all of my questions. I would definitely recommend Gail to anyone considering bankruptcy. Her fees were reasonable as well - much more affordable than other attorneys I had researched. In addition, she has a great staff!
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19 Mar, 2014 by Anonymous
Ms. Andrews is the kindest, most professional and trustworthy lawyer. I would trust her with any and all legal issues I ever need. I recommend her to everyone in need of such a caring lady. I filed bankruptcy a few years ago and as you may know, a very rough time in anyone's life. Gail made the process easy and took all the anxiety away. Ms. Andrews always reassuring me from the first visit through the entire process. There is no other !!!
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11 Sep, 2015 by David
I have known Winston personally and professionally for years and have the highest respect for his knowledge, his ethics, his attention to detail, and his devotion to his clients. He goes out of his way to explain the law, the process and the options, and he is devoted to his clients. And moreover, if he can't help you he will find someone who can. When I meet someone who needs his skill set, I never hesitate to recommend him over any other attorneys in his field. A consummate professional and a great guy, as well.
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07 Jan, 2010 by Anonymous
Mr. Cuenant is by far the best attorney I have ever dealt with in my life. When I filed for bankruptcy earlier in the year I was very afraid of the entire process. Mr. Cuenant took the time to make sure that I was as comfortable with the process as possible. He was always there to take my calls and if not, he returned them very promptly. He genuinely seemed to care about me and that was very comforting. I would recommend his services to anyone.
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15 Apr, 2020 by Anonymous
I've used Michael for several complicated cases and was impressed with his ability to anticipate and strategize a wide range of possibilities. He has been able to bring most cases to a favorable resolution.
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29 Sep, 2013 by Robert
I would recommend Mr. Kaufman in a heatbeat. He was there in a difficult time in my finances. Mr. Kaufman was advice was excellent and I would recommend his services.
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14 Jun, 2018 by Anonymous
She is fearless!!! My landlord tried to steal my security deposit and she went after him!! She was always on top of the matter and made me very happy when I got my deposit!
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24 Feb, 2011 by Anonymous
Very knowledgeable, helpful and patient lawyer. Have worked with a couple lawyers in the past and compared to Ms. Khan she has a good demeanor and will fight very hard for your case. Would recommend her to anyone.
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29 Aug, 2011 by Nate
I have used Christian George on more than one occasion and trust him with both my company's and my personal legal matters. There are none better in my opinion!
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17 Feb, 2011 by Louis
Mr. George truly understands the law, but most importantly he has the ability to aptly explain certain aspects of what he practices to those who are not trained in his field. He is dedicated to his clients needs and provides an excellent service.
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24 Jun, 2021 by David
We have been working with Adam and his firm for almost 10 years. He goes beyond the role of lawyer and is a shrewd businessman that can identify business issues beyond those just of a legal nature. His fees are reasonable and he is extremely sensitive to ensuring his clients are not overcharged. He cuts right to the chase which saves everyone time, money and aggravation.
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11 Mar, 2021 by Anonymous
Adam is a remarkable lawyer and very good at what he does. He is extremely sharp, well organized, astute, and the best lawyer I have ever had the pleasure of retaining. We hired Adam for an M&A and he really impressed us. I would hire Adam again and would recommend him as 10/10 rating, he is that good!
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12 Jul, 2017 by Anonymous
Richard J. Cole III, gave me valuable legal advise while respecting my desire to keep our session to a minimal duration of time. He is an excellent lawyer and legal resource. I would use him for any future legal issue and have referred him to friends.
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19 Jul, 2012 by Anonymous
She was more than helpful and went out of her way to make sure I was going to be ok.
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01 Jun, 2011 by M.s
Very professional, efficient, and sourceful.
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12 Jun, 2012 by Daniel
Have done many real estate closing with his people. GREAT help in dealing with any issues that come up. Very helpful in pre-foreclosure and short sale issues as well!
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14 Sep, 2015 by John m
Roddy Lanigan is absolutely the most communicative lawyer I have ever encountered, I was always able to reach him one way or another. Her professionalism, humanity and understanding was beyond what I could ever hope for. I Couldn't ask for a better lawyer, simply the Best !!!!! Impressive skills & wonderful down to earth person to speak to as well as being tough enough to get things done. I would recommend Roddy to anyone and he will also be the first person I contact for any further needs. Thank you Roddy
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20 Feb, 2016 by Darrin mccoy
I was introduced to the Washington law firm in the fall of 2014. A family member needed help with their mortgage after the loss of a spouse. After the initial free consultation we decided to hire the law firm. Washington law firm did a great job of converting the chapter 13 to a Chapter 7 and things are going very well.
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22 Feb, 2023 by Omorede’
Attorney Meredith Brasca, is inclusive, she listened to my desired outcome, and guided me through a complex court case; equity, fairness, and representation for for each party involved (especially the long term care, development, and support for the minor children and the disabled), were taken into consideration.
Thank Attorney Meredith,
Richest Blessings,
Omorede’ Agyei
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13 May, 2017 by Dominica mcallister
Dixie is the most reliable Lawyer, I can count on. If she doesn't know the answer she will find out for you. I feel blessed to have a lawyer like Dixie on my side.
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19 Nov, 2013 by Steve
Paul and James represented and defended me last year against a frivolous lawsuit that was settled without going to trial. Both were professional, concise, sympathetic, courteous, and I would wholeheartedly recommend them.
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FAQs
Questions? We have answers
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:
-
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. -
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. -
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. -
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. -
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. -
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. -
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.
