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Todd Almassian, experienced Bankruptcy attorney in Grand Rapids, MI with 143 reviews
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43,08
star star star star star
4.8/5
Avvo
5.0
11 Reviews
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4.8
132 Reviews
star star star star star
04 Dec, 2024 by Jeffrey temple
Judith is a very good attorny the very best she cares for every one loves to help with your matters she is the best if ever in need please reach out to her you will be glad you did
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15 Nov, 2024 by Rosemary klungle
*prompt to respond *knowledgeable *extremely helpful Highest recommendation!
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06 Sep, 2024 by J liz
Mike helped my ex and I with meditation for our divorce. He was very helpful and affordable. When we did go to court to finalize our divorce the judge was very impressed with how prepared we were, thanks to Mike. I recommend him to anyone asking me for a divorce attorney. Thank you, Mike! - Joy S
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Jeremy Shephard, experienced Bankruptcy attorney in Grand Rapids, MI with 147 reviews
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
42,92
star star star star star
4.8/5
Avvo
5.0
9 Reviews
Google Maps
4.7
138 Reviews
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17 Feb, 2025 by Ashley brooks
Jeremy is the most honest and straightforward attorney we have ever met. He doesn’t sugar coat or tell you what you want to hear. He takes the time to explain information in a way anyone can understand, and doesn’t leave you feeling like you need to be a lawyer just to grasp basic concepts. Hopefully, my husband and I never find ourselves in this situation again but if we do… we will hire Jeremy.
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17 Feb, 2025 by Darlene flier
Jeremy Shepherd is one of the best attorneys one could ever work with. He is knowledgeable, experienced and worked explicitly on our behalf. He always had our best interest at heart. We are extremely blessed and grateful to have him as our attorney. Thank you, Jeremy! May Gid bless an favor you and all that concerns you! Stuart and Darlene
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06 Feb, 2025 by Alicia kaja
We were in a very difficult position. We interviewed multiple attorneys and Jeremy Shephard was direct, professional, and honest with us. He treated us with honesty and integrity but was straightforward the whole way. He helped us through the process and his clarity and professionalism was so appreciated. I would highly recommend Jeremy Shepard to anyone in this situation.
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David C. Andersen, experienced Bankruptcy attorney in Grand Rapids, MI with 139 reviews
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
39,97
star star star star star
4.7/5
Avvo
5.0
1 Reviews
Google Maps
4.7
138 Reviews
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17 Feb, 2025 by Ashley brooks
Jeremy is the most honest and straightforward attorney we have ever met. He doesn’t sugar coat or tell you what you want to hear. He takes the time to explain information in a way anyone can understand, and doesn’t leave you feeling like you need to be a lawyer just to grasp basic concepts. Hopefully, my husband and I never find ourselves in this situation again but if we do… we will hire Jeremy.
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17 Feb, 2025 by Darlene flier
Jeremy Shepherd is one of the best attorneys one could ever work with. He is knowledgeable, experienced and worked explicitly on our behalf. He always had our best interest at heart. We are extremely blessed and grateful to have him as our attorney. Thank you, Jeremy! May Gid bless an favor you and all that concerns you! Stuart and Darlene
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06 Feb, 2025 by Alicia kaja
We were in a very difficult position. We interviewed multiple attorneys and Jeremy Shephard was direct, professional, and honest with us. He treated us with honesty and integrity but was straightforward the whole way. He helped us through the process and his clarity and professionalism was so appreciated. I would highly recommend Jeremy Shepard to anyone in this situation.
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Howard G. Van Den Heuvel, experienced Bankruptcy, Business attorney in Grand Rapids, MI with 21 reviews
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
39,65
star star star star star
5.0/5
Avvo
5.0
21 Reviews
star star star star star
30 Nov, 2022 by Anonymous
I called Howard and received great guidance on my case. He was polite and knowledgeable!
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10 Aug, 2021 by Anonymous
I was provided with great knowledge about the different outcomes of my case; now, I know what to expect. Thank you.
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13 Oct, 2019 by Mark
I was facing a serious traffic violation and Howard got it reduced to basicaly a traffic ticket. Awsome job Howard, thanks again!
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Rebecca L. Johnson, experienced Bankruptcy, Litigation attorney in Grand Rapids, MI with 4 reviews
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
39,12
star star star star star
5.0/5
Avvo
5.0
4 Reviews
star star star star star
16 Jan, 2019 by Frederick
Rebecca could not be more helpful during our Chapter 7 bankruptcy. She was very knowledgeable and helpful during the entire process. She walked us through the process every step of the way. My wife and I were very pleased with her help and would recommend her services to anyone seeking a very professional advocate.
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29 Jun, 2017 by Julie
Rebecca was there for me every step of the way during this time. She was prompt to answer questions day or night and she was very honest. She was polite and genuinely cared.
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24 Apr, 2017 by Dawn
Rebecca was very helpful, going above & beyond her duties. Due to personal reasons I had to convert from a 13 to a 7. She helped me make the right decisions in my case, even contacting my exes lawyer when it really had nothing to do with the bankruptcy.
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Travis Thomas Russell, experienced Bankruptcy, Estate Planning attorney in Grand Rapids, MI with 4 reviews
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info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
39,12
star star star star star
5.0/5
Avvo
5.0
4 Reviews
star star star star star
28 Sep, 2016 by Tim
Travis guided us through and helpred us complete our chapter 13 plan. He was very professional at all times and was always there to answer our questions. When we were looking for an attorney, Travis was by far the best one we could of found. Highly recommend!
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29 Apr, 2015 by Paul
Travis and his staff helped me with my bankruptcy a few months ago. I cannot say enough good things about him or his office!
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03 Jan, 2014 by Andrew
Travis was incredibly helpful to me, and even went far beyond what would normally be required of a bankruptcy attorney for my particular case. His guidance is very much appreciated, and I couldn't possibly thank him enough for going the extra mile. My case dragged out for over a year longer than it should have, and he never asked me to pay additional fees. Great attorney.
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Gregory Allen Hodge, experienced Bankruptcy, Elder Law attorney in Grand Rapids, MI with 3 reviews
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
39,09
star star star star star
5.0/5
Avvo
5.0
3 Reviews
star star star star star
17 Oct, 2019 by Cindy
We have been working with Gregory Hodge for 3 years now. My mother is on Medicaid and in a nursing home. Whenever I have questions, he responds quickly. Every year he completes the required government forms that are so cumbersome! All I have to do is collect the information and provide it to him Gregory spells out exactly what is needed. We couldn't be happier!
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05 May, 2019 by Tammy
Greg Hodge was our lawyer for a family case we had going on. We had a lot on the line when we found Greg and way more on our plate then we would have been able to handle on our own. With Greg on our side we was able to resolve our case with a positive outcome. He believes in what is just and right. High integrity and honest. Our family sincerly thanks Greg from our hearts. Highly recommend
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02 Jun, 2016 by Nick
Greg was able to access my situation and reccomend a solution for my specific request. He did a great fully explaining the pros and cons to ensure the greatest gameplan and approach for my situation
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Bryan David Reeder, experienced Bankruptcy, Business attorney in Grand Rapids, MI with 1 reviews
Average
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
39,03
star star star star star
5.0/5
Avvo
5.0
1 Reviews
star star star star star
22 Jul, 2013 by Chuck w.
My wife and I utilized Plachta, Murphy & Associates, P.C. when we decided to fulfill our dream of owning our own business. After researching local law firms we contacted Business Law Attorney Bryan Reeder. Bryan was extremely friendly, professional, and answered all of our questions. He even returned all of our phone calls promptly—which we really appreciate in an attorney.ck W. Bryan explained our options when deciding which form of business ownership would be best suited for us. We were astonished by his guidance with forming our LLC with such relative ease! He helped us register our business name, guided us through our proper paperwork, negotiate and execute an operating agreement, helped determine our tax obligations, and much more. We really liked the way Bryan was patient in explaining everything and how helpful he was. He even gave us some resources to help our business be as successful as possible! We would highly recommend Bryan for anyone considering starting their own business. His expertise and professionalism was second to none.
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Ryan French Beach, experienced Bankruptcy, Debt Settlement attorney in Grand Rapids, MI with 13 reviews
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info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
39,01
star star star star star
5.0/5
Google Maps
5.0
13 Reviews
star star star star star
18 Jan, 2025 by Mindy
I'm so glad I reached out to Ryan for help. He's very knowledgeable and answered all my questions with clarity; i already felt at ease after the initial consult. Communication was great throughout the process and I was routinely updated. I couldn't be happier with the outcome, and I highly recommend Ryan's office if you're in need of his assistance.
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17 Dec, 2024 by Mike b
Ryan and his team are friendly, professional, knowlegable, and most importantly provide excellent legal services. I highly recommend Ryan's firm.
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06 Nov, 2024 by Jessica ledford
This is BY FAR the best and most humble Attorney I've ever met. I called him Monday and was in his office by Wednesday. You can tell he takes pride in his work and doesn't mess around. He means business and gets it done. Thank you again!
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James M. Keller Jr., experienced Bankruptcy attorney in Grand Rapids, MI with 132 reviews
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
37,74
star star star star star
4.8/5
Google Maps
4.8
132 Reviews
star star star star star
04 Dec, 2024 by Jeffrey temple
Judith is a very good attorny the very best she cares for every one loves to help with your matters she is the best if ever in need please reach out to her you will be glad you did
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star star star star star
15 Nov, 2024 by Rosemary klungle
*prompt to respond *knowledgeable *extremely helpful Highest recommendation!
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06 Sep, 2024 by J liz
Mike helped my ex and I with meditation for our divorce. He was very helpful and affordable. When we did go to court to finalize our divorce the judge was very impressed with how prepared we were, thanks to Mike. I recommend him to anyone asking me for a divorce attorney. Thank you, Mike! - Joy S
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Gregory J. Ekdahl, experienced Bankruptcy attorney in Grand Rapids, MI with 132 reviews
Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
37,74
star star star star star
4.8/5
Google Maps
4.8
132 Reviews
star star star star star
04 Dec, 2024 by Jeffrey temple
Judith is a very good attorny the very best she cares for every one loves to help with your matters she is the best if ever in need please reach out to her you will be glad you did
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15 Nov, 2024 by Rosemary klungle
*prompt to respond *knowledgeable *extremely helpful Highest recommendation!
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06 Sep, 2024 by J liz
Mike helped my ex and I with meditation for our divorce. He was very helpful and affordable. When we did go to court to finalize our divorce the judge was very impressed with how prepared we were, thanks to Mike. I recommend him to anyone asking me for a divorce attorney. Thank you, Mike! - Joy S
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Michael M. Malinowski, experienced Bankruptcy, Debt Collection attorney in Grand Rapids, MI with 62 reviews
Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
37,66
star star star star star
4.8/5
Google Maps
4.8
62 Reviews
star star star star star
28 Nov, 2024 by Key spencer
Can’t explain how much I appreciate Mike Milanowski he really did his big one and he knows his stuff period!!! I can’t thank him enough, he made the process super easy and he walks you through the whole thing I would recommend anybody to him thank you Mike!!!!
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12 Nov, 2024 by Alli a
Mike was great through everything and really helped me out and stuck by me through my issues. Great lawyer and person. Would recommend 10/10
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30 Oct, 2024 by Kathy lopez
Mike was very helpful through this process. He was informative and through, and we are truly appreciative of all he did to help us. Stan &Joan
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Bronte Kelley Reisinger, experienced Bankruptcy, Debt Settlement attorney in Grand Rapids, MI with 1 reviews
Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
35,03
star star star star star
5.0/5
Avvo
5.0
1 Reviews
star star star star star
18 Jun, 2021 by Anonymous
I had been trying to settle a debt with American Express on my own, but the next thing I knew they sent my account to collections and filed a lawsuit against me. Bronte took care of the court documentation for me, and was able to negotiate with the creditors attorney so I only had to pay 6K of my 12K debt. She updated me on all progress, and was able to get everything finalized in 3 weeks of hiring her. I highly recommend Bronte and her firm.
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Nicholas A. Reyna, experienced Bankruptcy attorney in Grand Rapids, MI with 1 reviews
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
35,03
star star star star star
5.0/5
Avvo
5.0
1 Reviews
star star star star star
24 May, 2009 by Anonymous
Attorney Nicholas Reyna has the best bankruptcy law firm in Detroit. The Law Firm of Nicholas Reyna and his team are very professional, very customer oriented, and very knowledgeable about Bankruptcy law. In addition, the Law Offices of Nicholas Reyna has staff that are fluent in Spanish and Japanese. Attorney Nicholas Reyna has a website: www.greatlakesbankruptcy.com
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S. Christopher Hunter, experienced Bankruptcy, Elder Law attorney in Grand Rapids, MI with 1 reviews
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info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
35,00
star star star star star
5.0/5
Google Maps
5.0
1 Reviews
star star star star star
07 Jan, 2014 by Charles frost
Chris Hunter makes the business of advanced directives and wills easy to do. He works hard to find what you really want and then makes it happens. To him, each person is an individual with individual wants and needs which should be honored. He was great to work with. I highly recommend him!
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Thomas B. Baynton, experienced Bankruptcy, Criminal Defense attorney in Grand Rapids, MI with 82 reviews
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
34,02
star star star star star
4.4/5
Avvo
5.0
8 Reviews
Google Maps
4.3
74 Reviews
star star star star star
17 Apr, 2024 by Bryan “iris” cuello
Above all things, thank you Kelly for your unparalleled professionalism, and for handling my case with expertise. We won, and it was your dedication that made it happen. Kelly provided a clean, no b.s approach while sharing empathy through out my case. He was clear, understanding and tentative. The defendant was accused of wrongful conversion of personal property, fraud, silent fraud, breach of contract (express and implied), quantum meruit, unjust enrichment and promissory estoppel. His firm did not sit idle. We won and I was able to receive the money that was owed to me. Justice Served. Thank you Kelly. All the best,
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11 Apr, 2024 by Olivia geiger
Kelly is highly unprofessional, misogynistic, lazy, and unresponsive. I had to hound him and his assistant relentlessly for case updates, and would go several weeks at a time before getting a vague, angry, "What do you want now?" response from him. Does not like being held accountable. 10 months into my case with zero action taken from Mr. Lambert, aside from taking my $2700 retainer, sending me improperly documented time sheets, and stating I'd need to pay another full retainer if I wanted him to continue doing nothing, I fired him and hired new counsel, who settled my case within a week. Avoid him at all costs. - - - *Updated to respond to Mr. Lambert's reply, which appears to align quite well with my statement regarding unprofessionalism* It also appears as though he's only responded so aggressively to other women who have been dissatisfied with his services, or lack thereof. I retained Kelly January 6, 2023 for a custody case. He waited a week to file entry of appearance January 13, 2023. The order I hired him to assist me with the terms of, and file a motion to further amend custody terms, ordered myself and defendant to select a mediator within 14 days. January 17th, 11 days after I retained him, I still hadn't heard from him, so I called. We spoke very briefly - the time log shows .2 billable hours. I had called a couple times in February and spoke to Ian Irish, his former assistant, providing him with my updated phone number and asking if Kelly had updates. Ian was also unprofessional and rude, and quite apparently failed to document our conversations, as well as my new phone number. March 7th, 2023 comes around, and I hadn't spoken with Kelly again about my case, more than 2 months after I hired him. The terms of the aforementioned order, dated 2/3/23, required mediation to be completed within 45 days. We hadn't spoken to be able select a mediator within the 14 days as ordered, so I grew worried mediation wouldn't take place within the ordered timeframe either. Mediation finally took place May 4, via zoom for 1.5 hours. The majority of my mediation session, Mr. Lambert was fielding calls for other cases. Mediation ended 1.5 hours in when Kelly asked the mediator for a private breakout room, wherein he asked HER to tell me he had an appointment downtown and had to leave. - - - I wasn't required to show up to court, because your motion to terminate your representation was withdrawn when my new counsel, whom I retained mid-October, reached out to inform you they'd been working with me. I could go on in great detail, but, Mr. Lambert, you aren't worth the energy. My sentiment remains that you also aren't worth hiring.
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29 Mar, 2024 by Cheyenne flores
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James R. Oppenhuizen, experienced Bankruptcy, Business attorney in Grand Rapids, MI with 259 reviews
Below Average
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
23,68
star star star star star
3.9/5
Google Maps
3.9
259 Reviews
star star star star star
12 Dec, 2024 by Aaron keeler
Google Maps
star star star star star
19 Nov, 2024 by Kristina wood
It started with the "most unique case" Mr. Sass had seen in 30yrs.. And ended in the best positive outcome I could imagine! If not for your dedication and all the time you and your team spent on my case, I'd be struggling to find a place to call home for me and my kids. Mr. Sass was not only caring and supportive in helping me deal with the situation, but he also took the time to listen to me and he made sure I understood everything. For everything you do in life, I hope it always goes in your favor! I hope your pillow is cold on both sides, your charger works at every single angle, you NEVER stub your toe, you eat a FANTASTIC meal today and get lucky and find $20 on the floor! I hope you all have an amazing year because YOU DESERVE ALL OF IT!!
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12 Nov, 2024 by Kelli deboer
Tried asking for help against my lying abusive ex husband. Not only did they refuse to help me 3 separate times during my farce of a divorce, but they also waited till the night before court to turn me down again. Smh. Legal Aid of West Michigan is absolutely horrible and pointless to have and shouldn't exist anymore.
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Thomas B Baynton, experienced Bankruptcy, Criminal Defense attorney in Grand Rapids, MI with 0 reviews
Below Average
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
6,00
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0.0/5
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Gregory Ekdahl, experienced Bankruptcy, Business attorney in Grand Rapids, MI with 0 reviews
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
4,00
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0.0/5
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Erik Holt, experienced Bankruptcy, Business attorney in Grand Rapids, MI with 0 reviews
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
4,00
star star star star star
0.0/5
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Craig Jackson, experienced Bankruptcy attorney in Grand Rapids, MI with 0 reviews
Below Average
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
4,00
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0.0/5
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W. Schuyler Seymour Jr., experienced Bankruptcy, Car Accident attorney in Grand Rapids, MI with 0 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
4,00
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0.0/5
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Jeffrey David Mapes, experienced Bankruptcy, Foreclosure attorney in Grand Rapids, MI with 0 reviews
Below Average
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
4,00
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0.0/5
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James Anthony Siver, experienced Bankruptcy, Business attorney in Grand Rapids, MI with 0 reviews
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info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
4,00
star star star star star
0.0/5
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Dan E. Bylenga Jr., experienced Bankruptcy, Business attorney in Grand Rapids, MI with 0 reviews
Below Average
info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
4,00
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0.0/5
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Andrew James VanRyn, experienced Bankruptcy, Business attorney in Grand Rapids, MI with 0 reviews
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info
Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
4,00
star star star star star
0.0/5
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Samuel Jacob Levine, experienced Bankruptcy, Divorce attorney in Grand Rapids, MI with 0 reviews
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
0,00
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0.0/5
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Ryan French Beach, experienced Bankruptcy attorney in Grand Rapids, MI with 0 reviews
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
0,00
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0.0/5
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Brent T. Geers, experienced Bankruptcy, Criminal Defense attorney in Grand Rapids, MI with 0 reviews
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
0,00
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0.0/5
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David L. Conklin, experienced Bankruptcy, Estate Planning attorney in Grand Rapids, MI with 0 reviews
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
0,00
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0.0/5
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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:

  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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