Questions that come before the phone call

It depends on what you owe, what you earn and what you want to keep. The first call is for that. Sometimes the honest answer is that it is not the right move yet.

A Chapter 7 case usually runs a few months. A Chapter 13 plan runs three to five years.

Once a case is filed, the law generally requires them to. Brigitte can also tell them in writing before then that you have a lawyer.

The first call is free. After that, our attorney fee is quoted in writing, and the court charges its own filing fee on top. You see the total before you agree.

Yes. We can split the attorney fee into monthly payments before filing, or fold it into a Chapter 13 plan.

Yes. Credit counseling and the debtor education course are paid to approved providers, and they are usually modest.

Not automatically. What happens depends on your equity, your mortgage and the chapter you file under.

Most retirement accounts are protected by law. Bring a statement and we will confirm.

Yes, including money you owe family or friends. Leaving one off can cause problems later.