Bankruptcy is, and should be, one of the most important and informed decisions you ever make. Bankruptcy involves the assets you own and every debt you are liable for. You do not pick and choose what to include in your bankruptcy. Have Brian or Anthony explain your options and develop a plan of attack. We are a debt relief agency and help people file for bankruptcy.
The process begins with your free and confidential initial consultation with an attorney at Turner | Modarelli. During this consultation, we listen to your concerns, evaluate your situation, and explain your options.
We determine whether bankruptcy is right for you. We never pressure our clients into bankruptcy.
During the appointment, we determine whether Chapter 7 or Chapter 13 is in your best interest. We always take the time to review your income, expenses, assets, and liabilities so you leave our office well informed.
Turner | Modarelli will engage in pre-bankruptcy planning to protect your assets and fully inform you of your options moving forward. We encourage direct attorney-client communication and always prefer an informed client.
We will tailor a payment plan that you can afford. You can retain our services for as little as $100. Once you retain our services, we field all your creditor calls. You are no longer subject to continuous harassment by third party collection companies.
We assist you in obtaining all relevant information regarding your case. Once we gather the pertinent information, we prepare your bankruptcy petition. We triple check every entry in order to ensure that your petition is accurate and robust.
Whether you are filing a Chapter 7 or Chapter 13 Bankruptcy, we meet with you on the day of filing and provide the court with timely information upon filing your petition with the court. You declare under penalty of perjury that your Bankruptcy petition is an accurate snapshot of your assets and liabilities as of the day of filing. By meeting with you on the day of filing, we ensure the accuracy of the information.
After filing your bankruptcy petition, the next step is to provide all relevant information to the bankruptcy trustee assigned to your case. Providing this information is required by federal statute. We always provide the information requested and immediately begin communicating with the trustee to ensure your bankruptcy is processed efficiently.
Approximately 30 days after the filing of your bankruptcy petition, you will be required to attend a meeting of the creditors. At this meeting, the bankruptcy trustee assigned to your case will ask questions verifying the accuracy of your bankruptcy petition.
This can be a very stressful time. To ease the stress, our clients are represented by either Brian or Anthony. We do not “farm out” our appearances to other attorneys. We are committed to guiding you through the entire process.
Unlike other firms, we will have provided all required documents to the bankruptcy trustee in advance. Our goal: require your appearance at one hearing only.
Once your meeting is concluded, we will provide you with the timeline for your bankruptcy discharge. The bankruptcy discharge creates a federal order that removes your liability for all debts covered by the discharge.
Upon discharge, our attorneys are happy to meet with you to develop a strategy to rebuild your credit as fast as possible. We do not believe your bankruptcy ends with a discharge, but rather with instructions that will lead to rebuilding your credit.
Why Should You Consider Filing Bankruptcy?
Chapter 7 and Chapter 13 Bankruptcies will stop the following:
- Wage Garnishment
- Bank Levies
- Creditor Harassment