February 23, 2018

Important Questions to Consider at Your Bankruptcy Consultation

There are many important questions that are addressed at a bankruptcy consultation.  Below are a few questions I answer for clients during our free in-office bankruptcy consultations.

1.  Should I File Bankruptcy?  This is by far the most important question.  At my free bankruptcy consultation, I will review with you your financial situation and if bankruptcy makes sense.  We will discuss the different chapters of bankruptcy (chapter 7 bankruptcy or chapter 13 bankruptcy) and which chapter of bankruptcy is most appropriate.  We may even discuss reasonable alternatives to bankruptcy, if such alternatives exist.

2. What Are The Benefits And Consequences Of Filing Bankruptcy?  This is a very important question that I address at my free bankruptcy consultations.  The benefits of bankruptcy usually include eliminating unsecured debt (in a chapter 7 bankruptcy) or getting into a reasonable payment plan or restructuring of your debt (chapter 13 bankruptcy).  I discuss with clients the credit-implications of bankruptcy, such as how long it may take to obtain a home mortgage loan after filing for bankruptcy or rebuilding credit after bankruptcy, and how filing bankruptcy will affect a credit score and access to future credit.

3.  How Much is Your Practice Committed to Bankruptcy?   I believe it is important to find an attorney who focuses primarily on bankruptcy law for your bankruptcy needs.  My practices is focused about 95% on bankruptcy law.

4.  How Much Do You Charge And What Is Included In Your Bankruptcy Fee?  My attorney fee is extremely competitive and based on the complexities of the case.  I generally charge a flat fee for core chapter 7 bankruptcy service.  Chapter 13 bankruptcy is a bit more complex, but most of my fee is paid through the chapter 13 plan (meaning I have the flexibility of reducing my upfront attorney fee).

5.  Who Will Come With Me To Court?  I will.  As your attorney, I will stand by your side through the entire bankruptcy process, from the starting line to the finish line.

6.  What Is The Best Way To Contact You?  I am easily accessible by phone, cell phone and email.  I provide multiple ways for clients to contact me.

7.   What Information Do I Need to Provide You To Start The Bankruptcy Process? I request that clients provide the following documents in order for me to prepare a bankruptcy case: 1) 6 months of income statements, 2) last two years of taxes, 3) copy of your bills/collections notices, 4) credit reports (free at annualcreditreport.com); 5) 6 months of bank statements; 6) any court documents including divorce decrees; 7) any other document pertinent to the particular client’s case.

There are many more important questions to ask, but the above questions are a good start.  At my free consultations, I provide answers to each of these questions plus many, many more.   I strive to offer a respectful and calm approach to clients considering bankruptcy.  This can be a very stressful time, and I believe it is part of my job to help alleviate any stress associated with this process.

Please call today for your free in-office bankruptcy consultation in Eugene.  I look forward to hearing from you.



Tom Butcher

Attorney at Law



Pursuant to 11 U.S. Code § 528: "I am a debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code."

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