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19 Nov, 2020 by Karen
Mr. Gallant was very thorough and walked me through everything I needed to know to navigate this process. He explained everything in terms I could understand and I would highly recommend him to anyone. Very professional and took the time needed to make this very difficult process just that much easier. He answered emails and phone calls in a timely manner and was just all around amazing.
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05 Nov, 2020 by Dave
I had a bit of anxiety over filing bankruptcy like many people probably do. I also felt embarrassed to be in this situation. Ken, however, always treated me with respect and honesty, and never made me feel worse about the situation. He laid out the entire process step-by-step and provided all the information and resources I needed to complete.. In the end, my agreement was able to help me be in a far better financial situation or at least one that I could see light at the end of the tunnel. He was insistent on creating a plan that I could achieve and not one that be doomed to fail. Communication was always timely and clear. I really feel like I have a new lease on my financial situation and couldn't have done it without Ken's help.
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05 Nov, 2020 by Karen
Ken helped me in so many ways , first was chapter 13 and feeling confident that he would win our case. And we did . When Covid-19 came about , it was a different sort of story for me and my family . I had to quit my job of 8 years to stay home and Remote Virtual teach my new Kindergartener . So all bets were off . I had no income and no way to pay my Chapter 13 trustee . I went to Ken , asking to help me convert to Chapter 7 . This was all brand new to everyone , himself , me , the courts , the creditors , as this is a Pandemic and I was not fired , I chose to quit to keep my family safe . Ken was skeptical at first of this motion , again because he had never seen anything like this . But he never gave up hope and always gave me his best effort to help me . He was honest , to the point , and always on my side . He worked hard for me and my family , and it paid off . He is an amazing lawyer and he and his team (Debbie) are people you can definitely count on . I owe them everything, I got a piece of my life back
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17 Nov, 2019 by Anonymous
I would highly recommend Ken for any bankruptcy proceedings. Let's be honest, bankruptcy is not fun and it is not a procedure you want to be involved in. But if after your free consultation with Ken, he feels it is your best solution, you can't find a better lawyer to handle the case for you. He treated me with respect; he laid out exactly what was required from me; he maintained constant communication with me; and his experience of being a Trustee ensured that my I was completely prepared for our meeting with the appointed Trustee. I never felt like he just rubber stamped my case - in fact he made several significant recommendations and changes to my case as the formal information gathering process progressed which resulted in significant savings for me. He never stopped working towards my best interests - you can't ask for anything more!
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29 Mar, 2019 by Anonymous
Ken is very knowledgeable and thorough. We had constant communication through the whole process and my case was well prepared. This was evidenced by attending the Trustee meeting and seeing other cases questioned. He gave expertise advise and made the process very smooth. I would highly recommend Ken.
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21 Feb, 2016 by Anonymous
We cannot say enough about Mr. Ken Gordon. He had handled a very complicated bankruptcy case for us. He is a very professional attorney in addition to being a very kind man. Once he accepted our case he was in constant communication with us. He never made us feel as though we were asking too many questions. In addition to going through bankruptcy we were-and still are-going through many personal and health issues. Mr. Gordon took the time and patience with us to speak to us by any means-email or phone-whatever it took for him to reach us. Mr. Gordon is quite the gentleman and we would highly recommend him.
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13 Mar, 2023 by David everett
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18 Oct, 2021 by Ellen carrion
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26 Mar, 2021 by Renita davie
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24 Nov, 2014 by Jim
My daughter hired Mr Ingersoll for a child custody issue. During that, she was arrested for a felon. Mr Ingersoll gave her his cell phone number and she had little to no problem reaching him. He has successfully managed her child custody and child support cases and was able to get her felony reduced to a single misdemeanor and she only got probation. His advice was solid and his relationship with the courts and prosecutors make him a strong litigator
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04 Feb, 2012 by Vince
Did an excellent job in a contractor default case. Knew the issues and strategies that resulted in a most favorable outcome. Looking forward to his representing me on a house closing.
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08 May, 2011 by Mary ann
I have worked with Mr. Ingersoll several times over the last 15 years. Tim has handled my business in a knowledgeable, timely manner. Tim always looked out for my best interest and I trust him to do his job. When Tim handled my divorce I was very ill. He was accommodating to my special needs, working around my schedule and holding conferences by phone when I was too ill to come into his office. Tim is very professional. He made a difficult divorce much easier by being calm with me but standing his legal ground and protecting my rights. He did the fighting for me. I will work with Tim until he retires. I have recommend him to my friends and family. I highly recommend Tim to anyone needing excellent legal counsel.
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03 Oct, 2012 by Anonymous
Ken handled two real estate transactions for me and kept me out of trouble. I knew I was in good hands when he recognized issues in my contract upon his first reading.
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12 Jun, 2018 by Caroline
Excellent representation. Mr. Goldman far exceeded my expectations and was successful in securing a resolution that was never imagined. his prowess, keen legal mind, very hard working and kind nature was enormously appreciated. Modestly priced and with the most successful outcome. His services are recommended highly.
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24 Jun, 2022 by Ashley weisenborn
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29 Jun, 2023 by Mackenzie klee
Extremely helpful and knowledgeable about my situation . I felt very comfortable talking and discussing my options to find the best one for my situation.
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16 Jun, 2023 by Fausto prattico
The firm has represented my family and my business on a few matters, from commercial litigation, to creating business contracts and personal matters, including buying and selling a home. My family and I have trusted John and Ed to give us excellent guidance and ensure we were protected. The firm and its partners are responsive and effective. We feel they value us as clients and know us by name, not just a file on their desk. The firm is always responsive to my family and my business needs.
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23 May, 2023 by Dennis annechino
I had the pleasure of meeting and working as co-counsel with John on a case several years ago and he has been a loyal friend and trusted colleague since. As a solo practitioner, it is always comforting to have another attorney to discuss case strategy with and John has always been there for me when I needed it. He is the consummate professional; hardworking, responsive and insightful. He is a zealous advocate and a well-respected litigator. It is with great trust and confidence that I have referred a number of my own clients to John for litigation assistance.
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15 Sep, 2024 by Bradford strine
Professional, knowledgeable and personable with experience to help with legal needs.
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23 Aug, 2024 by Matt bosseler
Derrick took on a very unique case for our family knowing it would be a challenge. He walked my family and me through his approach step by step keeping us appraised of roadblocks and progress throughout the process. I would highly recommend Derrick Spatorico for his willingness to take on such an anomalous case, the resourcefulness displayed throughout the undertaking of our cause, regular status updates and communication, his strong attention to detail, and being results oriented. He is a very personable attorney who has his client’s best interests at heart.
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31 Jul, 2024 by Andrea reynolds
Chris is an excellent and knowledgeable lawyer! He took on my case with a very difficult property manager who refused to return my security deposit without showing me the rental townhome first. I met with Chris on a Wednesday and on the next day Thursday, Chris said that the property manager agreed to return my security deposit. Chris was extremely efficient and prompt with handling my case! I highly recommend Chris who is a very professional and understanding lawyer!
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15 Sep, 2024 by Bradford strine
Professional, knowledgeable and personable with experience to help with legal needs.
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23 Aug, 2024 by Matt bosseler
Derrick took on a very unique case for our family knowing it would be a challenge. He walked my family and me through his approach step by step keeping us appraised of roadblocks and progress throughout the process. I would highly recommend Derrick Spatorico for his willingness to take on such an anomalous case, the resourcefulness displayed throughout the undertaking of our cause, regular status updates and communication, his strong attention to detail, and being results oriented. He is a very personable attorney who has his client’s best interests at heart.
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31 Jul, 2024 by Andrea reynolds
Chris is an excellent and knowledgeable lawyer! He took on my case with a very difficult property manager who refused to return my security deposit without showing me the rental townhome first. I met with Chris on a Wednesday and on the next day Thursday, Chris said that the property manager agreed to return my security deposit. Chris was extremely efficient and prompt with handling my case! I highly recommend Chris who is a very professional and understanding lawyer!
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15 Sep, 2024 by Samantha miller
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28 Jan, 2024 by The mic
Does not have your best interest at heart and only wants your money. No matter what they say, I was certainly a client and have the paperwork to prove it; denying that I was a client clearly shows they're not trustworthy. Imagine, instead of making things right, they deny the issues. Extremely unprofessional all around, I just want to make people aware so they can find better legal assistance.
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18 Jan, 2022 by Tom and pri gamer
Mr. Martin Philippine is knowledgeable, patient and I trust him, his advice and work. He also has a human side that I appreciate very much. I recommend his law firm to anyone looking for a good, trustworthy lawyer.
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27 Feb, 2024 by Ryan schack
Works primarily for amerifu credit union.
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27 Feb, 2024 by Scott massey
Horrible. Hire a better lawyer
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02 Aug, 2022 by Sarah jopson
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15 Apr, 2022 by Anonymous
I hired Mr. Bambury to apply for Social Security Disability. It took 3 years. I only met him at the end of the process when I appealed the initial Denial. He was exceptionally rude and refused to sit near me and did not talk to me at all, not even about my case. He did not contribute with my video hearing with the judge. I feel like a fool for trusting this person, especially since I have a Law Degree from a different state. His handling of my case was unacceptable and I paid the price for not doing my due diligence in researching NY State Law and blindly trusting him and his office staff.
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11 Jan, 2022 by Anonymous
Kevin Bambury represented me year's ago on a Disability Case. He was very cruel and I was diagnosed with many problems. He was interagating me like I was lying. I would never treat a Client so cruelly.
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12 Oct, 2011 by Anonymous
My husband and I went in because the payment of 1414.00 with CCCS was to high hoping a bankruptcy would help. Kevin reviewed our paperwork he advised us chapter 13 would be about 900.00 a month knowing Bob had worked overtime the first 3 months of the yr he stated the payment could be SLIGHTLY HIGHER we should wait about 4 mths and my husb should not work the overtime the courts look at the last 6 months of bank statements. So with knowing this we gave him a retainer of $1000 only to to find out that the payment went up to 867/2 wks the courts go back a yr. We would never had gone this way knowing that the payment is only a few dollars lower, we would have seekked other options. He also told us to stop paying the credit cards, keep the car payment and mortgages current. Now we are not only behind in payments that we would have tried to make arrangements for with Bobs overtime we atre out the retainer fee.
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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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