You’ve undoubtedly heard the phrase, “You get what you pay for”. Have you ever bought something thinking you were getting a great deal only to get it home and not live up to your expectations? Guess what? The same thing happens in Bankruptcy. What do you look for? Cheap service or knowledge?
K is for Knowledge
A recent article by the U.S. Court system indicates a growing trend of pro se bankruptcy filers (those who filed bankruptcy without the aid of an attorney). The article represents that between 2-4 percent of Nebraska bankruptcy cases are filed pro se. An interesting statistic from the article is that 31% of all U.S. pro se filings are dismissed without a discharge of debt. Clearly, these debtors needed proper knowledge from an attorney to represent their best interests.
I wouldn’t advise an individual to file a case on their own. Too many times I’ve been sitting through the meeting of creditors and have witnessed situations where debtors have improperly filed their case and documents or have relied on non-lawyers, known as “bankruptcy petition preparers”, and have had a difficult meeting, which should have been simple.
Similarly, I wouldn’t advise someone to consult with a “bankruptcy mill law firm”. These are law firms who claim to “specialize” in nothing but bankruptcy. The problem with these firms is that they process your paperwork in a “one size-fits all” type of way. No bankruptcy is ever the same as the next. There are situations where you need extra help with special situations that arise. These law firms will abandon you if a creditor contests your bankruptcy, forcing you to either go on your own or find an attorney who is willing to provide the appropriate knowledge to the situation.
Would you file a bankruptcy on your own or go through a bankruptcy mill if you knew that with just a little extra knowledge you could wipe away a second mortgage through an adversary proceeding, void the lien on a car loan, discharge student loan debt or dispose of tax debts?
Caldwell Law provides that knowledge for a reasonable price. You’re not a one size-fits all template or simply a client number. We take great care to thoroughly review your situation and devise whether bankruptcy is the right option for you and if so, which chapter fits your goals and best interests.
Does it cost a little more? Maybe, maybe not. But wouldn’t you be willing to pay a fair price for the benefit of knowledge? That’s what a lawyer should do.
Other Bankruptcy Lawyers talking about the Letter K are as follows:
Keys-New York Bankruptcy Attorney Jay S. Fleischman
Keep-Northern California Bankruptcy Lawyer, Cathy Moran