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Can I keep my home if I file bankruptcy? Do I have to list the mortgage company? What if I’m behind on the payment? Can I still pay the mortgage payment online? Will they send me monthly statements? How do I know that the past due amounts were paid current? I want to file bankruptcy but I don’t want to lose my home. I don’t want to list that debt.
Homeowners have a lot of anxiety about filing bankruptcy, and for good reason. They worry that by filing bankruptcy they will lose the home. To be sure, there are risks to filing bankruptcy, but the whole idea of filing a case is to protect property and there is no reason a home should be lost or compromised if you observe the following:
- Nebraska exemption laws protect the first $60,000 of equity in your homestead. If your home could not be sold for $60,000 more than what you owe on the mortgage the home is safe when filing Chapter 7. If the home has more than $60,000 of equity do not file Chapter 7. Rather, consider filing the alternative type of bankruptcy–Chapter 13–where the trustee does not have the power to liquidate assets.
- All debts must be listed in bankruptcy. You cannot exclude any debt, including mortgage or vehicle loans.
- Reaffirmation Agreements. In Chapter 7 cases the homeowner can sign an agreement to reaffirm the mortgage debt. Such agreements basically pull the mortgage loan out of bankruptcy. The only real benefit to these agreements is that the mortgage company will continue to report to the major credit bureaus whether the loan is being paid on time, and continued credit reporting is critical if you will refinance the mortgage loan in the future. Reaffirmation Agreements are not used in Chapter 13 cases.
- Banks Do No Automatically Reaffirm Mortgage Loans. The number one frustration homeowners experience after filing Chapter 7 is that the mortgage company stops reporting loan payments to the credit bureaus if a Reaffirmation Agreement is not filed with the bankruptcy court. Banks no longer offer reaffirmation agreements on mortgage loans in most cases unless the homeowner specifically requests one. That means you must call the mortgage company to demand a reaffirmation agreement. You probably will have to call multiple times, perhaps weekly, to get the agreement. Why do you have to pester them? Banks do not view Reaffirmation Agreements as being necessary. Although bankruptcy wipes out the debt, it does not terminate their mortgage lien. So, if a homeowner stops paying the mortgage, the bank still has the right to start a foreclosure whether the loan is reaffirmed or not. For this reason, banks stopped hiring people to process reaffirmation agreements. The bank is fine, but you are not. Without a reaffirmation agreement you will find it nearly impossible to refinance a mortgage loan, even if all payments are made on time. Without the reaffirmation agreement there is no credit bureau reporting, and without that you cannot find a bank that will refinance the loan.
- Keep Track of your Mortgage Payments. It is very common that I handle cases where the mortgage company says they did not get payments due after the case was filed. Most of the time the bank is right, but not always. Sometimes banks apply payments to the wrong account. Sometimes they don’t know where to apply a payment and put the money in a “Suspense Account.” Sometimes homeowners are unaware that the payment has increased and they pay the wrong amount. If the bank says you did not pay you need to have proof of payment, i.e., canceled checks, bank statements, money order receipts, Western Union wire receipts.
- Pay the Mortgage Through Your Bank Account, Not Money Orders. I hate it when clients pay the mortgage with money orders. Why? Because a money order receipt only proves that you bought a money order, it is not proof the bank received the payment. To prove payment you must purchase a “trace report” from the money order company showing the bank actually deposited the money order. Unless you buy a money order trace you have no idea if the bank accepted the payment. Banks lose a lot of checks.
- What if the bank won’t accept my payment over the phone? It is common for banks to cease online mortgage payment access when a bankruptcy is filed until a Reaffirmation Agreement is filed or until a Chapter 13 case is completed. Some banks will not take payments over the phone until the case is over. If they will not accept an online or telephone payment just send them a regular check in the mail.
- What if the bank returns my payment? Banks return payments for three general reasons: (1) They are not aware the bankruptcy was filed; or (2) you are paying the wrong amount; or (3) the amount you are paying does not bring the loan current and they want to make it 100% clear to you that they will not accept partial payment. When payments are returned bring the returned payment and the accompanying letter from the bank to your bankruptcy attorney. We are generally able to get the bank to accept the payment if we route it to the correct department or to the bank’s attorney.
- Keep a chart of your mortgage payments. When banks say that the mortgage payment is behind I have no clue if they are wrong or right until I see a list of every payment made, the date each payment was sent, the date the payment cleared the bank account, the amount of each payment, the check number for each payment, and the bank statement showing each payment made. Keep a chart or a table listing this information while the bankruptcy case is open, especially in those 3 to 5 year Chapter 13 payment plans.
- Homeowners have the burden of proving payment. If the bank says a payment was not made that is assumed by the court to be correct unless the homeowner has evidence to the contrary. For this reason it is very important to keep your bank statements and to highlight each mortgage payment that cleared the bank. Save those bank statements while you are in bankruptcy. Keep a list of all payments made. If you are crazy enough to pay the bank with money orders, keep an organized file of each and every payment made.
Image courtesy of Flickr and Andrey 77 dron.
The Bankruptcy Code is federal law. It affords debtors protections - including the automatic stay and debt discharge injunction - that hold creditors at bay.
The Fair Debt Collection Practices Act (“FDCPA”) is also federal law. It contains limitations on what a debt collector can do when attempting to collect a debt.
Because debts - and more particularly attempts to collect those debts - drive people into bankruptcy, bankruptcy courts are sometimes forced to grapple with questions of how the Bankruptcy Code and FDCPA interact and impact each other. Read More ›
Tags: Chapter 13, Western District of Michigan
As a Walworth County bankruptcy attorney who represents creditors, you can only imagine how many questions I get asked during initial consultations. I am more than happy to answer all of your questions. Creditors in bankruptcy have every right to be concerned about their owed debt. Depending on the type of bankruptcy the debtor has filed, and a few other details, your options as a creditor can vary. Below you will find answers to some of the most commonly asked questions by creditors in a Walworth County bankruptcy.
Question 1. I have a judgment against the debtor. The debtor has now filed bankruptcy. Can I still collect on the judgment?
Answer: The answer is no. You cannot collect on your judgment any longer now that the debtor has filed bankruptcy. You may have other options to pursue depending on the type of bankruptcy filed by the debtor. Consult your Walworth County creditor bankruptcy attorney for your options and advice.
Question 2. I have a lien against the debtor’s property. Will my lien be removed when the debtor files bankruptcy?
Answer: The truth is that this answer is complicated. It varies depending on various circumstances, such as: Is the property the debtor’s principal residence? What chapter of bankruptcy did the debtor file? What is the value of the property? Are there any other liens on the property? What is the underlying type of debt which caused the lien? If you are faced with the possibility of your lien being removed due to a debtor’s bankruptcy, please contact your Walworth County creditor bankruptcy attorney. Your attorney will need to discuss the minute details with you in order to provide an accurate answer, as well as your options.
Question 3. I am an unsecured creditor (provided services with no collateral). How do I know if the debtor revealed all assets?
Answer: You can obtain a copy of the bankruptcy filing from the clerk of the court. You have every right to review the paperwork. You also have the right to depose the debtor to obtain more details about the debtor’s assets.
Question 4. I am owed money by a debtor who recently filed a Chapter 7 bankruptcy. What types of debt can be discharged?
Answer: See the below list. Remember, there are special circumstances for almost each of the items listed.
-credit card charges and fees
-medical bills
-utility bills
-department store cards
-past due rent or any other money owed under a lease agreement
-payday loans
-civil court judgments
-auto accident claims
-attorney fees
-personal loans from family and friends
-amounts owed to bank from “insufficient funds” checks
-repossession balances
Question 5. I am owed money by a debtor who recently filed a Chapter 13 bankruptcy. What does this mean?
Answer: Chapter 13 is a proceeding under which a debtor proposes to his or her creditors and the court, a plan that enables the debtor to repay as much debt as is feasible given the debtor’s financial circumstances. To be confirmed by the court, a plan must provide that the debtor’s future income be subject to court administration. After determining a reasonable budget, the debtor’s remaining income is paid (generally monthly) by the debtor’s employer to the trustee who, after taking a commission, pays the creditors according to the plan provisions. A plan generally lasts three years, but may last up to five years if the court approves the longer period, or if a debtor is required to propose a five-year plan due to their income level. At the end of the plan, the debtor is entitled to receive a discharge of any remaining debt (some exceptions apply).
Question 6. I am currently suing a debtor. The debtor has now filed bankruptcy. What happens with my lawsuit?
Answer: You must now obtain permission from the bankruptcy court to proceed with the lawsuit.
Question 7. A debtor who owes me money has filed Chapter 7 bankruptcy. I would like them to reaffirm the debt. How can this come about?
Answer: The truth is that it probably won’t happen. Debtors get to choose which debts to reaffirm (promise to repay as originally agreed and not discharge through bankruptcy). Although reaffirmation of your debt would be advantageous for you as a creditor, it is not advantageous or recommended for a debtor. Reaffirmation commits the debtor to payments they may not be able to afford after bankruptcy. The debtor could quickly become overwhelmed and back into the same position they are in now.
Question 8. The debtor owes me money but didn’t list me as a creditor. Can my debt still be discharged by the bankruptcy court?
Answer: The odds are against you. Normally, a proof of claim must be made with the bankruptcy court before a debt can be discharged. There is a deadline to file the proof of claim. However, if no assets were distributed during the bankruptcy, some courts will discharge debts not listed in the bankruptcy petition. You can possibly get the time period for filing a proof of claim extended. Consult with your Walworth County creditor bankruptcy attorney for details.
Question 9. I received notice of a debtor’s bankruptcy. Should I attend the 341a Meeting of Creditors?
Answer: Yes, if you would like to question the debtor under oath regarding any of their assets or the paperwork filed with the court.
Contact Our Walworth County Creditor Bankruptcy Attorney
Representing creditors in bankruptcy requires a high level of diligence and skill. If you need legal advice or representation as a creditor in a Walworth County bankruptcy, feel free to contact Wynn at Law, LLC. Our Walworth County creditor bankruptcy attorney represents clients in complex bankruptcy litigation. You can reach us by phone at 262-725-0175 or by email via our website’s contact page. Wynn at Law has offices conveniently located in Lake Geneva, Delavan, Salem, and Muskego.
Need Bankruptcy Litigation Help?
We represent creditors in bankruptcy matters. Call us.
262.725.0175
*The content and material on this web page is for informational purposes only and does not constitute legal advice.
This excerpt from the Legal Action television show highlights the fact that there are pre-filing requirements that must be satisfied prior to filing for bankruptcy. Long gone are the days where a person could simply fill out some papers from an office supply store, head down to the Clerk of the U.S. Bankruptcy Court and+ Read More
The post Completing All Of The Pre-Filing Bankruptcy Requirements appeared first on David M. Siegel.
Just weeks after Discover was ordered by the Consumer Financial Protection Bureau to pay $18.5 million for illegal student loan servicing practices, Citibank is facing a probe into its own practices.
In a filing dated August 3, 2015 with the Securities and Exchange Commission, the banking giant indicated that federal regulators have opened a probe into its student loan servicing practices.
Though Citi didn’t indicate which federal agency is conducting the investigation or which student loan practices are the subject of concern, a source tells Bloomberg that that it is part of a crackdown by the Consumer Financial Protection Bureau.
The investigation comes nearly five years after the company sold nearly $28 billion in securitized federal loans to Sallie Mae, and nearly $4.2 billion of private loans and $3.4 billion of securitized loans to Discover Bank. Since that time, Citi has largely remained out of the student loan business.
The Citi student loans, by the way, were the same ones that landed Discover in hot water with the CFPB in July 2015.
Loan servicers like Citibank are responsible for communicating with borrowers, sending invoices, collecting payments, keeping accurate records and handling deferments and forbearances.
Image credit: bruceg1001
The post Citigroup Being Investigated Over Student Loan Servicing Practices appeared first on Bankruptcy and Student Loan Lawyers - 866.787.8078.
If you’re in debt up to your eyeballs, you look to the bankruptcy laws to help you dig out of the hole and start over.
That, after all, is what the law’s designed to do – give you another opportunity to put yourself in a better financial position.
But if your debts include student loans, you quickly find out that the bankruptcy laws won’t help unless you jump through another set of hoops and prove that your existing financial situation is not only bad, but also long lasting. That’s why so many people with student loan problems don’t consider bankruptcy as a tool to help them get ahead.
As an article in the Pittsburgh Post-Gazette shows, bankruptcy is proving to be an option for some people who are struggling with their private student loan debts.
The article centers around David King and Julie West, two Pittsburgh area people with private student loans and using bankruptcy as a way to keep them under control.
Student loan borrowers have many ways to handle their private student loans when they fall behind. But for those with regular income and a way to pay a portion of their debt each month, the bankruptcy process allows them to reorganize their finances and make payments based on the amount of money left each month.
These bankruptcy cases, known as Chapter 13 bankruptcies, allow people to make payments and prevent collection actions against them while doing so.
We’ve talked about it here before, in fact.
The Problem of the Rising Balance
Going into Chapter 13 bankruptcy, however, is not a perfect solution.
Though collection efforts must stop and student loan lenders are required to accept payments, interest continues to build up on the unpaid balance. Once the repayment plan is over – it’s capped by law at five years – that interest is tacked onto the balance.
For people paying less than the interest through their Chapter 13, that means the balance will be higher after bankruptcy than it was before the case began.
Protect Guarantors and Cosigners
On the other hand, Chapter 13 can help student loan borrowers who can’t remain current on their loan and need to protect guarantors and cosigners.
In spite of the fact that interest continues to build up, the automatic stay provisions of the bankruptcy law prevent collectors from harassing, suing and getting judgments against the people who have put their name and credit on the line for a borrower’s loan.
For many borrowers, this may be reason enough to consider Chapter 13.
Put Their Feet to the Fire
One unsung benefit of Chapter 13 bankruptcy comes in the form of the Proof of Claim – the document that a creditor needs to file in order to get paid through the bankruptcy plan. That document needs to provide detailed information about the balance due, the owner of the debt, and a host of other things.
If it’s incomplete or incorrect, you may have a way to get the debt reduced or even kicked out entirely.
Failing to review the Proof of Claim filed by your private student loan company may harm you not only in your bankruptcy case, but even after it’s over because you’ll be prevented from disputing the balance due and the ownership of the loan if the lender sues you in state court after bankruptcy.
In other words, bankruptcy is a good place to force the student loan company to prove up every single aspect of their claim.
A Good Option For Some, But Not For All
Filing for bankruptcy may be a good option to help you buy time on your student loan payments. But before you make that choice, you need to understand what it means for you and your family in the long run.
Keep it in your pocket, but remember that your best choice is an individual one that takes into account your situation as well as you goals.
The post Is It Smart to Use Bankruptcy to Buy Time on Student Loan Payments? appeared first on Bankruptcy and Student Loan Lawyers - 866.787.8078.
STUDENT LOAN DISCHARGES IN THE 7TH CIRCUIT: SOME THOUGHTS
Authored by: Steven P.Taylor
Student loans have become one of the largest components of debt in American society. This size is a major problem that the bankruptcy system must address to effectuate its policy goals of fresh start (Chapter 7 bankruptcy) and rehabilitation (Chapter 13 bankruptcy).
Delinquencies on student debt are far higher than those for other forms of consumer credit, including credit cards, mortgages and auto loans. For example, 8.5% of all auto loans were at least 30 days delinquent in the year through last September. Recent research shows that nearly 1 in 3 people whose student loans are in repayment status are at least one payment behind on their payments according to the Federal Reserve Bank of St. Louis. This is a frightening from two aspects. First, the above statistic does not account for the (typically unemployed) college borrowers who are not even required to make payments until six months after they leave. Nor does it include former students that are out of school, past that grace period, and have received permission by their lender to suspend payments for a range of reasons, like unemployment. The researchers at the St. Louis Federal Research determined that, as of Jan. 1, more than half of student-loan debt–55%– was held by borrowers who were in repayment. The remaining 45% weren’t in repayment. The enormity of the issue is reflected by the enormous amount of student loan debt relative to the overall debt structure of our economy. Student loan debt is $1.2 trillion and is second only to mortgage debt which stands at $8.17 trillion. Credit card debt stands at $0.9 trillion.
With respect to mortgage debt and credit card debt, the bankruptcy courts have can discharge credit card debt and in personam liability on mortgage debt. But in order to wipe out student loans in bankruptcy, you must prove to the court that paying them would cause you undue hardship pursuant to 11 U.S.C. §523(a)(8). In interpreting that section, most bankruptcy courts follow the Brunner[i] test which outlines three (3) criteria to qualify for undue hardship
The Seventh Circuit articulated these three (3) criteria as follows:
(1) that the debtor cannot maintain, based on current income and expenses, a “minimal” standard of living for [himself] and [his] dependents if forced to repay the loans;
(2) that additional circumstances exist indicating that this state of affairs is likely to persist for a significant portion of the repayment period of the student loans; and
(3) that the debtor has made good faith efforts to repay the loans.
The Seventh Circuit over the past three (3) years has had some decisions which have added texture to the implementation of the Brunner test which is instructional to the practitioner. My takeaway from these cases is below.
Recent Seventh Circuit cases
Krieger v. Educational Credit Management Corp., 713 F.3d 882 (7th Cir. 2013) This case is notable for two reasons. First, it stated that the 2nd and 3rd prongs of the Brunner tests are either a mixed question of law and fact or clearly factual. In either case, the standard of review of the bankruptcy court’s ruling should upheld unless clearly erroneous. Second, the Seventh Circuit’s reviewed the standards that the District Court applied to Brunner test and found that the proposition of law that a failure to use an available federal student loan repayment plan means the debtor fails the good faith element of the Brunner test is wrong.
Greene vs. U.S. Department of Education, 770 F.3d 667 (7th Cir 2014). Although not really on point as to the Brunner test, in dicta, the Seventh Circuit opined that the amount of student loan debt owed is a different issue from whether making him pay what he owed would impose an undue hardship. The size of the debt is relevant—the larger it is, the more likely that imposing full liability on the debtor will produce an undue hardship—but calculating the debt involves a different factual inquiry from whether the debt so calculated is crushing.
Tetzlaff v. Educational Credit Management Corporation, No. 14-3702 (7th Cir. 2015). This case is notable in that it reiterates Krieger ‘s deference to the bankruptcy court judge’s findings of fact as to the 2nd and 3rd prongs of the Brunner test. It also in reviewing the bankruptcy court’s findings of facts noted that payment on one student loan debt did not show good faith with respect a different student loan debt, at least if they were not joined in the same adversary proceeding. The Court noted that a debtor’s good faith efforts to repay his student loans are measured by his ability to obtain employment, maximize income, and minimize expenses.
CONCLUSION
What does this all mean? It means that it exceedingly important to present your case properly to the bankruptcy court judge at the outset. The factual findings are going to control and only clearly erroneous factual decisions will be reversed. In Tetzlaff, the Plaintiff had two expert witnesses excluded due to late disclosure. In addition, the dicta in the Greene case may indicate that the Seventh Circuit is open to a partial discharge to the extent that remaining liability would not impose an undue hardship.
If you have student loan debt problems or are considering filing bankruptcy to tackle your student loan debt, make sure you have a bankruptcy attorney review your options. For more information about this and other bankruptcy law issues, please contact me by email or call at 317-271-1111.
[i] Brunner v. New York State Higher Education Services Corp, 831 F.2d 395 (2nd Cir. 1987)
Filed under: Bankruptcy, Student Loan Tagged: bankruptcy, Discharge, Student Loans 
Florida law provides for a certain exemption for annuities. Florida Statute section 222.14 provides that "the proceeds of annuity contracts issued to citizens or residents of the state, upon whatever form, shall not in any case be liable to attachment, garnishment ... or legal process in favor of any creditor ... of the person who is the beneficiary of such annuity contract, unless the ... annuity contract was effected for the benefit of such creditor.
One requirement is that the annuity must be issued to a "citizen" or "resident" of Florida. Sometimes there is a question of whether the item in question constitutes an "annuity" and whether the involved person is a "beneficiary" within the meaning of the statute.
Jordan E. Bublick - Miami Bankruptcy Lawyer - Kendall & Aventura Offices - (305) 891-4055 - www.bublicklaw.com
I enjoy listening to a variety of podcasts while walking the dog or driving to the office. Podcasts are really amazing thing for those who crave learning, although there seems to be some rule that requires 50 bad shows to appear before you find a really great one. (Have you loaded the Stitcher radio app on your smartphone yet? You really should.) The EntreLeadership podcast is one of the better shows being streamed these days, and I had the pleasure of listing to Dale Partridge talk about his new book, People Over Profits.
As you might guess, the message of the book is that a business will not succeed in the long-run if it places profits over people, despite some evidence to the contrary. Perhaps it is better to say that businesses will be more successful in the long-run if they keep their customer’s best interest at heart. I think it really comes down to establishing trust. We trust that Apple computers are top notch and that Starbuck’s coffee is always great–they have earned that reputation.
What Partridge is talking about is more than just good business sense. We all need a set of core values to steer our personal lives and our businesses as well. In the long run, businesses and individuals get lost when they routinely put selfish short-term needs and wants ahead of others, especially customers.
I’d like to think we have modeled our law firm with the client needs and wants placed first. How do we do that?
- One-on-One Client Relationships. I strongly believe that each client should be assigned one attorney and one paralegal to handle their case from beginning to end. There is no confusion as to who is responsible or who to call. There is no red tape. You know your team and they know you.
- We do the Work. Many firms hand out thick questionnaires for clients to complete that list all debts, property, income and property transfers. Some of these questionnaires are 50 pages long! I have two objections to that: First, bankruptcy law is complex and it is unreasonable to assume that clients can really answer the questions correctly without prior experience. Second, isn’t filling out paperwork what you pay the attorney to do?
- Easy Access to Attorneys & Staff. It is easy to contact our attorneys when questions arise. Each attorney has a direct phone extension (mine is Extension 100) and appointments over the phone or in person are easy to schedule. We want you to understand your case and the legal process. That means we are here to answer questions in person, over the phone, through email or video chat or whatever else it takes.
- Copies of Documents. You are entitled to a copy of your case documents without charge whenever needed.
- Flat Fees. About 95% of all our cases are charged on a Flat Fee basis. Nobody likes surprises when it comes to fees. You know what your case will cost before it is filed.
- Resources. Our goal is to provide you with great resources to help guide you through the legal process. Our website is filled with helpful articles, legal forms and videos to help educate you on your legal rights. This is a ongoing project that we work on every day.
Creating a customer-focused organization is expensive and challenging. It takes a lot of time and money to be responsive. In the long-run it pays off. Deciding to be great instead of mediocre takes commitment, training, planning, money, passion and dedication. I don’t want to work any other way.
Image courtesy of Flickr and Janine & Jim Eden.
One of the most difficult hurdles Elkhorn bankruptcy clients face is paying bankruptcy attorney fees when they are already broke. However, the last thing an Elkhorn bankruptcy client should do is hire the cheapest bankruptcy attorney they can find. There are many low cost bankruptcy attorneys who advertise their cheap prices to unsuspecting clients, just like you. You must use extreme caution. The old saying, “You get what you pay for” holds true for bankruptcy attorney fees, too.
Hiring a Cheap Elkhorn Bankruptcy Attorney Can Be a Huge Mistake
When you research bankruptcy attorney fees, you may find a huge spread in the price ranges. This is due to the quality of work that will be dedicated to your case. This could be disastrous for you. Hiring an Elkhorn bankruptcy attorney who is not skilled, experienced, or knowledgeable in bankruptcy law, could potentially end with your bankruptcy case being thrown out. Once that happens, it is over. You get one shot. You don’t want to blow it.
While not all inexpensive bankruptcy attorneys are ignorant of bankruptcy laws and not all expensive bankruptcy attorneys are outstanding, you will need to proceed with caution. Research is the key to finding the best bankruptcy attorney for your needs. There are many more factors to consider, besides price, when looking for a competent Elkhorn bankruptcy attorney. You should also consider the following:
1. Does the attorney focus in bankruptcy? Many attorneys add bankruptcy to their list of practice areas since there is a fast turnaround on bankruptcy cases. These attorneys are only practicing bankruptcy for the quick money and they do not know the bankruptcy code inside and out. The quality of work performed on your bankruptcy case will be compromised.
2. What is the Elkhorn bankruptcy attorney’s success rate? Find out how many of the attorney’s bankruptcy cases were actually approved and debts discharged by the bankruptcy court.
3. How comfortable were you with the Elkhorn bankruptcy attorney during your initial consultation? You should not only “click” with your bankruptcy attorney, but you should also feel comfortable with his or her level of knowledge. Did the attorney answer all your questions with certainty? Do you feel you can trust this person?
4. Are there any hidden fees? Many bankruptcy attorneys will advertise a cheap price, but as your case progresses, there will be many fees added that you were not forewarned about. In the end, these hidden fees will cost you more than an honest, experienced bankruptcy attorney.
5. Who will be working on your bankruptcy case? Make sure you are working with an attorney and not a legal assistant. Many bankruptcy clients find they meet with a cheap bankruptcy attorney during the initial consultation and, once hired, never hear from them again.
6. How can the bankruptcy attorney afford to charge so little? Find out how many bankruptcy cases the law firm handles. They may be charging so little because they are handling a large volume of bankruptcy cases. These types of law firms are called bankruptcy mills. Don’t expect your bankruptcy file to get the attention it deserves.
7. What is the Elkhorn bankruptcy attorney’s response time to questions? How quickly will your phone calls and emails be answered about your bankruptcy case during the process? Many bankruptcy clients find they meet with a cheap bankruptcy attorney during the initial consultation and, once hired, response times are very slow or nonexistent.
Choose Your Elkhorn Bankruptcy Attorney Wisely
The Bankruptcy Code is extremely complex. There have been many changes to the law over the last several years. You need an experienced and knowledgeable Elkhorn bankruptcy attorney on your side. At Wynn at Law, our Elkhorn bankruptcy attorney has a 100% success rate, strictly practices bankruptcy, and is the only attorney handling your bankruptcy case. Your file will not be passed off to someone else. Your phone calls and emails will be answered promptly. There are no hidden fees involved with your attorney fees. There are no long lines in our waiting rooms. Wynn at Law also offers convenient payment plans to make our bankruptcy attorney fees affordable for you.
Contact Our Elkhorn Bankruptcy Attorney
Our Elkhorn bankruptcy attorney offers a free, initial consultation. Please, feel free to schedule your consultation any time via phone or through our website. You can reach our Elkhorn bankruptcy attorney by phone at 262-725-0175 or by email on our website’s contact page. Wynn at Law has bankruptcy offices conveniently located in Lake Geneva, Delavan, Salem, and Musekgo.
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*The content and material on this web page is for informational purposes only and does not constitute legal advice.
Updated daily, this blog will keep you informed on the latest bankruptcy news! 
Learn more about how Bankruptcy works and what you need to know.