Is your home in foreclosure?
Are the phone calls starting early and going through the night?
Are you being sued and your wages garnished?
Is your car being repossessed? Has your bank account been seized?
Maybe it is simply time to consider your bankruptcy options. We can help you consider them at little or no charge.
At Baird Law, we deal in the most common consumer and small business bankruptcy known as Chapter 7. When we analyze a case, we look at your last 2 years of income taxes and take a 6 month look at back at your payroll to determine if you are a candidate for a 7, commonly referred to as a “straight” or “liquidating” bankruptcy. Whether you have filed for bankruptcy protection in the past may also affect your ability to file for one or the other types of bankruptcies.
What is a Chapter 7 Bankruptcy?
A Chapter 7 bankruptcy is to give an individual a fresh start or typically marks the end of the existence of a business. If your income is enough to pay your rent and living expenses, but not enough to pay the creditors who are harassing you, you most likely qualify for Chapter 7 debt relief. In a 7, you write off your entire credit card, medical bills and other unsecured debt. You can only file for Chapter 7 debt relief once every 8 years.
How do I get started?
If you are serious about getting debt relief through a bankruptcy lawyer, the first step is talking to us. Call my office for a brief conversation about your situation or to schedule an appointment to meet face to face. If you schedule an appointment, my staff will send you a list of what you need to bring with you to our first meeting . In either case, if you elect not to go into bankruptcy, THERE IS NO CHARGE FOR A CONSULTATION.
What info will I need to bring?
Gathering the info in your case is your responsibility. We will help you gather and sort through your creditor claims, but you need to collect all of the bills, letters, law suits and other mailings that you are getting concerning the debts that you owe.
If you are so out of sorts about your credit situation that you no longer have any letters or documents that you can bring in to us, the first place to start is to schedule an appointment and come in to meet with me. I can’t gather the information for you, but I can help you find creative solutions in order to be certain you are traveling the right path to get the debt relief you need.
Click here for a list of what to bring.
How much will it cost?
For a consumer bankruptcy, including filing fees, you are typically in the range of $2,000.00 for a personal Chapter 7 and ranging in the area of $5,000.00 for a business Chapter 7. Keep in mind we can only give you rough estimates without knowing the details of your situation. For example, if you are in the middle of a wage garnishment, if you owe back taxes, or if you are in the middle of litigation of a claim, your costs may go up.
Once you have consulted with us on your specific case, you will be given a written statement on the precise amount of legal fees that will be charged in your case – your “retainer.” Once you know what your case will cost, you decide how much you can pay, over what period of time in order to satisfy your retainer, at which point we will file your case.
Remember, it costs you nothing up front to meet with us.