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24 Oct, 2017 by J. lee
There is always that saying, you get what you pay for, and the staff and Mr. Fear was worth every penny. Kayla was a pleasure to work with and kept me up to date on every step they took as well as being keen to detail on all the documents needed for my case. Mr. Fear sat with me and detailed everything on the schedules and brought to my attention anything that may draw questions or concerns and we dealt with them at his office before hand. When I arrived for my meeting of creditors, Mr. Fear was already there waiting for me. Sitting and watching about 5 others go before me, 4 out of the 5 were missing documents and were rescheduled; their lawyers seemed lost and never intervened. One lawyer and her client were rescheduled almost immediately for missing documents. My case was sent to confirmation almost immediately after I sat down, the trustee had no real questions for me and although she had a question about one particular document, Mr. Fear had it readily available on his tablet. This is the second time I had to use Mr. Fear for hardships in my life and I am glad that I was able to hire him again to help me get a fresh start. I hope to say that I would never need his services again, but if I did, I wouldn't look anywhere else.
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03 Dec, 2015 by Anonymous
Let’s all be honest, bankruptcy is never anything anyone plans to have to go through. In my case, it was a personal and emotional low point in my life, and the last thing I wanted to do was ask anyone I knew personally for their advice. Bankruptcy is a very private matter that I am not proud I had to do, nothing I wished to share with my inner circle. I am extremely happy that I found Peter Fear and the Fear Law Group. Peter was a consummate professional, advising me on the process and guiding me through the steps. He answered every question quickly and clearly, which gave me the utmost confidence that my decisions were the correct ones to make. Furthermore, his staff was always very efficient and effective. A big thanks to them all for helping me get my financial life back on track!
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22 Jul, 2014 by Phillip
Peter Fear, Gabriel Waddell and the entire staff were very kind, courteous and professional. They listened to my situation and provided the best approach to take. They were very thorough with the paper work and comforting during court. Consequently, everything went very smooth.
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25 Oct, 2022 by Maria c. lumsden
Kind, Honest, Just what I needed at that time in my life. She's strong and fair with both sides. Thank you Mrs Dede A. Still grateful to her for her hard work.
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24 May, 2012 by Brett
She spent the time needed at all times to make sure everything ran smoothly on my chapter 7. Her partner or herself were able to answer all of my questions--my case was kind of complicated. I never felt ignored. I never felt concerned about Nancy's abilities to see it through. It is finished now, and she still takes my calls and is helping with my understanding of my liability in my short sale and in dealing with the odd creditor--Bank of America--who won't let go.
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30 Sep, 2024 by Livjot singh
Peter is the most honest lawyer I know. His number one goal is to help people and he absolutely did a fantastic job with my court case. Peter worked very hard and did a professional job. He has a lot of experience and gives you a lot of good options that really help you out. I recommend Peter to anybody that has any financial troubles.
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11 Jul, 2023 by Brandi b.
I was stuck in a long drawn-out dispute with my mortgage company, and Peter gave me some incredible legal advice that made all the difference and helped me to find an actual resolution. He's a good soul that genuinely cares about helping people. HIGHLY recommend!
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07 Apr, 2023 by Stevie rose
Look no further, Peter is your guy! Extensive knowledge, FAST, professional & friendly. Thank you for alleviating all of my financial stress & helping me achieve a fresh start!
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03 Oct, 2024 by Dao vang
Narek is the best! Would trust him to deal with all my legal issues. My only complaint is that this handsome attorney does not have a photo on his website.
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24 Sep, 2024 by Jaskarn singh
Amazing lawfirm and lawyers. I highly recommend Tavir Joshi, knowledgeable and helpful. He will answer all of your questions. The service is great. Super friendly office assistant.
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19 Sep, 2024 by Deep_ pb46
Strongly recommended, Got work permit delivered to me after 25 days of applying and tanvir sir help and clear the doubts whenever u call and give good suggestions.
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14 Sep, 2020 by Anonymous
First time filing for bankruptcy and Janine gave me the worst experience. She was flat out rude, non professional and confrontational at some times. I never met her in person due to covid. Everything was over the phone. There was a time where I made a mistake and she yelled at me and said "I don't have time for this" and hung up on me. I paid her for her time. I felt so disrespected so many times. There were several times where she gave me false information in regards to my case as if she were trying to sabotage me and I corrected her. It seemed as if she wasn't on my side and not trying to help me win my case. I don't know what she's going through in life but I hope she learns to treat her clients with respect while she's struggling.
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12 Mar, 2020 by Lucia
Mrs. esquivel filed bankruptcy for me and my husband. She explained things to us very well. My sister used her to file her bankruptcy case too. As long as you schedule an appointment, you see her or someone at her office. Either Mrs.Esquivel or her assistant returned our calls in a timely fashion.
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30 Oct, 2019 by Anonymous
I went in to their office for a consultation and I hired her because she seemed very nice and professional. I paid her her attorney fees up front and whenever she needed money for an application fee i would go give it to her because she can't submit something without the fees. At the beginning it was really good they would call when ever they needed more paperwork or signatures and I would go down to the office. The problem started towards the very near end of my process when they just stopped calling me and giving me updates. It was very hard to get a hold of them thru the phone and even in their office. I would go to the office to try and get information about my case and it was always closed. When there was someone there I would try to make an appointment but they would tell me i couldn't make one with Janine because she never let them know when she would come to the office. That she just came in whenever and they wouldn't be able to tell me which day to go in. I was very upset because even if they didn't feel like finishing my case they could of communicated with me and let me know so I could of hired another attorney and not have me wasted money and time. Now my case is closed and I will have to pay another two thousand to file again plus attorney fees. They need to communicate better with their clients because to this day I still haven't heard anything from her office and the only reason i know my case is closed is because I called the National Visa Center to find out what was going on and they let me know. I just let it go because I got tired of trying to reach them but I do feel like I got scammed by them and they made me lose money.
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23 Aug, 2024 by Anonymous
Irma Edmonds’s interactions are marked by a distinctive combination of rudeness, impatience, and hostility. Her communication style, characterized by curt responses and a lack of empathy, contributes to a challenging environment for those who interact with her. Her perceived impatience and rigid time management further complicates interpersonal dynamics. Understanding the underlying factors and exploring strategies for improvement could potentially lead to more positive outcomes and a more constructive approach to interactions. Addressing underlying stressors or dissatisfaction that may contribute to Irma’s behavior is another important strategy. Exploring stress management techniques, seeking support or counseling, and finding ways to address potential sources of frustration could help mitigate some of the negative aspects of her demeanor.
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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:

  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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