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Why A Pre-Bankruptcy Review Is Important, Chapter 7 San Diego County David A Casey - Attorney for over 21 years (619) 447-6780 (Our pre-bankruptcy fee agreement explains the process. Bankruptcy is complex but that doesn't mean you shouldn't know what to expect).
The purpose of this fee agreement to place in writing the purpose of the pre-bankruptcy process and to explain what you will receive. What you pay in pre-bankruptcy goes toward your total bankruptcy fees.The purpose is to gather all of the financial information that is needed in a bankruptcy and to determine if a Chapter 7 or Chapter 13 is right for you. With this information you can decide what is best for you. The pre-bankruptcy process of inputting the information you provide will provide a basis for determining what the specific issues are. In this process, some people may pass the income portion of the "Means" test which may give the appearance of being able to file Chapter 7. However, after inputting all of the specific factors, they do not qualify thus a Chapter 13 may be a better option due to the exemptions allowed and being able to keep assets they would not be able to under a Chapter 7. Due to the certain aspects of the bankruptcy laws, there may be an occasion that when you should wait a short period of time before filing. |
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Far too often, some other law firms will file a Chapter 7 only to find that the trustee or the court orders the debtor to convert to a Chapter 13. This only costs you more money and delays the process. This is why the pre-bankruptcy process that my office provides, lowers the risk of this occurring. After completing the pre-bankruptcy process, I will be able to determine what the issues are and determine how much the actual bankruptcy may cost. Even with the pre-bankruptcy process, it is still impossible to determine the total cost since the Trustee, the court or creditor’s actions could require additional attorney work, motions and court appearances. Any new work completed after filing bankruptcy is not dischargeable by the client. You can NOT use your credit card or ATM card to pay your retainer. Payment has to be made by cash, check or money order. All court filing fees are payable to David A. Casey if paid by money order or must be paid by cash.The Bankruptcy Court has to approve all fees I charge you. I can not charge more than what they consider is reasonable for the services performed in a bankruptcy action. This applies to both Chapter 7 and Chapter 13. Section 1. ALL pre-bankruptcy fees paid are applied to your over all bankruptcy attorney fees cost. *** The pre-bankruptcy fees will also apply to a Chapter 13 bankruptcy action that is filed on your behalf. *** Section 2. Your review in my office. Section 3. What the pre-bankruptcy fee covers: (1) The initial consultation in my office. (30-45 minutes) There is NO charge for this consultation!(2) A packet portfolio is provided to put your paperwork in. Included in the packet is a questionnaire based on the estimated income you have indicated. (3) Chapter 7 bankruptcy information booklet. (4) A "Should Not Do" list of what NOT to do after coming into my office. (5.) Inputting of all of your creditors and debt information into the bankruptcy software database. Inputting of all your personal property and values to determine exemptions. (Most of the time this takes 2-4 hours depending on the number of creditors).(6) Calculating the "Means" test. (7) I will then review all of the actual documents to see what problems you may have, and what your options are to correct them. This includes a review of the exemptions under CCC 703 & CCC 704. This review process on my part takes about 45 minutes to 1 hour of attorney time to complete this process. (8) A second office consultation up to 45 minutes. (9) Once all of the new data is entered, a third meeting is scheduled to review the draft of the Petition and all of the schedules A - J and the completed "Means" test. This is what the bankruptcy court will see. (This office consultation takes up to one hour). Our Pre-Bankruptcy Review Gives You The Best Options San Diego :SECTION 4. Sign the bankruptcy fee agreement: After any problems have been resolved and you have your pre-bankruptcy credit counseling certificate, you are ready to file your bankruptcy case. So what was really accomplished in the pre-bankruptcy process was to complete all the forms of the actual bankruptcy that may best suit you. You, (both debtors if filing a joint return) would sign a fee agreement for either a Chapter 7 or Chapter 13 bankruptcy. All moneys received in pre-bankruptcy are applied to the bankruptcy, if you decide you would like to proceed with a chapter 7 or chapter 13 with my law office.. For Chapter 7 the pre-bankruptcy the fee is $500.00 and with a business $750 and Chapter 13, $750.00. Some cases will require more attorney fees to complete the pre-bankruptcy if it is complex. I want to point out again, the funds you have paid will be applied to your bankruptcy in full at my office. As you can see this is only part of the agreement for a pre-bankruptcy and we spell it out for you in writing what we are going to do. Our Pre-Bankruptcy Will Help You Decide Your Bankruptcy Options Our pre-bankruptcy review will give you the information you need before filing bankruptcy regarding your pre-bankruptcy assets, debts, exemptions and much more. No hidden surprises after you file. Chapter 7 and Chapter 13 Bankruptcy AttorneyFree Initial Bankruptcy Consultation! 619 447-6780 Call Attorney David A. Casey, Attorney for 20 yrs.944 Chapter 13 & Chapter 7Bankruptcy can get you that fresh start and relieve the stress of your financial problems!Call today for a Free Phone Consultation! 619 447-6780Let's face it the reason you are not paying your creditors is because you just don't have the money. Most people just do not intentionally charge up debt with the intent of going bankrupt. Most Americans are hard working who always try to pay the debt they owe but some unfortunate event disrupts their finances such as the loss of job by one or both members of the family, costly medical bills, illness, divorce, and devaluations of real property. During these unprecedented times what you once were able to use and count on to support you and your family no longer exists. In other words, there is no money to rely upon. San Diego , California, Looking to file a Chapter 7 or Chapter 13 bankruptcy proceeding? You have probably done everything possible. It is now time to stop the creditor's harassment and to stop them from calling at work or even your family members. Our pre-bankruptcy process will tell you what assets you will be able to keep. Most are able to keep just about everything. A high percentage will be able to keep everything. Our pre-bankruptcy evaluation will take the fear out of bankruptcy and tell you what will happen under both chapter 7 and chapter 13. Is chapter 7 or chapter 13 best for you? Our worksheets and pre-bankruptcy review, can give you your best options before filing. Let the Bankruptcy work for you. |
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Learn What Not To Do in Pre-Bankruptcy San Diego, CA, learn what NOT to do prior to or after seeking Bankruptcy. Understand charge offs. Understand debts you need to pay. How to avoid bankruptcy credit card fraud under the Bankruptcy Code |
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San Diego , Looking to file a Chapter 7 or Chapter 13 bankruptcy petition? My office is a short drive from San Diego . You will probably spend less time driving to my office than finding parking in downtown in San Diego. My parking is free. My office is located next to two major freeways. Stop Creditor's Calls Immediately Through Bankruptcy! |
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El Cajon 92020, El Cajon 92021, El Cajon 92022, El Cajon 92090, Lakeside 92040 Lemon Grove 91945, 91946. Ramona 92065, Santee 92071. Bankruptcy Spring Valley CA: 91976, 91977, 91978, 91979 , Poway 92064 92074,Area of Bankruptcy Services :Alpine 91901
My office is just minutes away from 17 cities in San Diego and El Cajon Area. F ree Consultation With A Bankruptcy Attorneynear San Diego , California
San Diego Chapter 13 Bankruptcy & Chapter 7 Bankruptcy.Call (619) 447-6780 Law Office in El Cajon, CA 365 Broadway, Suite 203 El Cajon, CA 92021 AttorneyChapter7.com Area of Service :Alpine 91901 Bonita 91902 Chula Vista 91909-91915 - 91921 Coronado 92118, 92178 Del Mar 92014 Dulzura 91917 El Cajon 92019-92020, 92021 92022 - 92090 Escondido 92025-92027 - 92029-92030 - 92033, 92046 Imperial Beach 91932-91933 Jacumba 91934 Jamul 91935 Julian 92030 La Jolla 92037-92039 - 92092-92093 La Mesa 91941 91942 91943 91944 Lakeside 92040 Lemon Grove 91945-91946, MCAS Miramar 92145 Pacific Beach 92109 Pine Valley 91962 , 91990 Ramona 92065 Rancho Bernardo 92128 Rancho Santa Fe 92067, 92091 Santee 92071 - 92072 Solana Beach 92075 Spring Valley 91976 92977 91978 91979 La Mesa 91941, 91942, 91943, 91944. Lakeside 92040 Lemon Grove 91945, 91946. Santee 92071. Lemon Grove 91945, Lemon Grove 91946, Lemon Grove CA.
San Diego (city) 92101, 92102, 92103, 92014, 92015, 92016, 92107, 92108, 92109, 92110. 91211, 91212, 91213, 91214, 91215, 91216 -92124, San Diego 92125, San Diego 92126, san Diego 92127, San Diego 92128-92140, San Diego 92141, San Diego 92142, San Diego 92143, san Diego 92124, San Diego 92145, San Diego 92147, San Diego 92148, San Diego 92149, San Diego 92150, San Diego 92152, San Diego 92153, San Diego 92154, San Diego 92154, San Diego 92155, San Diego 92156, San Diego 92157, San Diego 92158, San Diego 92159, San Diego 92160, San Diego 92161, San Diego 92162, San Diego 92163, San Diego 92164, San Diego 92165, San San Diego 92166, San Diego 92167, San Diego 92168, San Diego 92169, San Diego 92170, San Diego 92171, San Diego 92172, San Diego 92173, San Diego 912174, San Diego 92175, San Diego 92176, San Diego 92177, San Diego 92178, San Diego92179, San Diego 92180, San Diego 92181, San Diego 92182, San Diego 92183, San Diego 92184, San Diego 92185, San Diego 92186, San Diego 92187, San Diego 92188, San Diego 92189, San Diego 92190 92191, 92192,
San Diego East County, Read Why A Chapter 7 Pre-Bankruptcy Review Is Important With our worksheets and pre-bankruptcy review, you'll get the best results possible.
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We are a debt relief agency. We help people file f Free Bankruptcy Consultation San Diego, CA San Diego bankruptcy Attorney: We are a debt relief agency. We help people file for relief under the Bankruptcy Code. |
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Copyright ©2011 by Bankruptcy Attorney David A. Casey Our Pre-Bankruptcy Review Gives You The Best Options San Diego Read Why Attorneys Should do a Pre-Bankruptcy Prior to Filing | Our Pre-Bankruptcy Review Gives You The Best Options San Diego |