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Personal Bankruptcy Consultation in Northern Virginia
When should we meet for a bankruptcy consultation?
If your finances are interfering with your work, your family, your health, your life– we need to talk about what bankruptcy can do to help you. You’ve come to the right place.
We’re not like other lawyers. We need a lot of information to give you the right answers.
Before you see me, we’ll want to have have all the information we need to help you. Based on our experience with fifteen thousand people, I designed forms to organize the information we need to get you your new start.
If you’d like a detailed, personal, free bankruptcy consultation, then please click here to start to work on our forms. (You do NOT have to do them in one sitting; but please save when you reach a stopping point.)
Other lawyers don’t insist on all this before the first meeting: we do. Here’s why.
1. We have more than 600 5-star reviews. No other Northern Virginia bankruptcy lawyer has even a hundred.
2. Or rate of bankruptcies approved (“discharged”) is above 95%. Other very well known lawyers around here have a rate below 80%. Their bankruptcy clients are five times more likely than mine to get dismissed.
3. I’m AVVO rated 10.0 and a level 14 contributor. Only one other lawyer in this area matches that.
4. Most lawyers don’t want detailed info before a first meeting, but most doctors do. I’m like the doctors. They don’t want to miss something important. I don’t want to miss something important.
5. You’ll ask better questions. If you take the time to gather up complete information, you’ll be better prepared when we meet. I see many clients who say something like this. “I’m glad you asked me for all this. I saw another lawyer first. He couldn’t answer any questions. He just quoted a fee and asked for a payment.”
Next, you have an hour long (free) paralegal-consultation with one of my experienced bankruptcy paralegals. She can give you general information–the kind of thing you’ll find here on my website–and explain how the process works. (Paralegals are not allowed give you “legal advice.”)
At that paralegal-consultation, your paralegal will also go over your forms with you. To make sure we’re not making any mistakes. And to help you with any parts of the forms that are confusing or give you trouble. So by the end of the paralegal-consultation, we want to to have all the information we need to help you.
It’s a little easier to ask questions and avoid mistakes when people can look each other in the eye. But if you can’t get off work and come in, we can do the paralegal-consultation over the phone. We’ll especially need you to take your best shot at the forms and email them to us. So you and your paralegal both have them to work with during the call.
Your paralegal also needs six months worth of pay stubs. Getting eligibility to file bankruptcy is can be very tricky in a high cost of living area like Northern Virginia. We need your pay stubs so we can plan how we are going to get eligibility for you.
After your meeting with your paralegal, we put at lot of that information into our computer, so you and I can see it together when we talk in person.
Now we’ll set up our hour-long free lawyer bankruptcy consultation.
I’ll take the time to understand what’s going on in your life, and the best way to use bankruptcy to help you.
When we meet, we don’t talk about how bankruptcy “usually” works for “most people.” We talk about how bankruptcy can work for you.
If you bring everything I need, then at our lawyer, bankruptcy consultation, I will:
- Answer all your questions;
- Help you decide if bankruptcy is right for you;
- Determine your eligibility;
- Work out a strategy to prove your eligibility;
- Plan your bankruptcy in a way that best fits your situation and goals;
- Work out a fee and payment schedule; Agree to take your case.
At the end of our intensive consultation, most people leave with a plan to get a“new start in life and a clear field for the future.”
Ready to Get Started?
Here’s a guide that explains the bankruptcy process. I call it my Bankruptcy Guide Book. Please download the Guide Book here: The Guide Book – PDF Version
Next, please fill in and save our forms. Filling in these forms will take a couple hours. But when you’ve done it, the hardest part of your bankruptcy process will already be done! After that, the hard work is mostly on me. Really.
(Please do not get hung up if you have trouble with parts of the forms. Do your best with them, and bring your questions with you to the paralegal-consultation. If you take a break, be sure to save.)
You also need to get your credit report. Try to get one for free at: www.experian.com/reportaccess. There are lots of credit reports out there on the internet.
This one, www.experian.com/reportaccess is by far the best for what we want. It’s easier to read than most, it has bigger print, and it has much more information. (I’m over 60 years old–I need a credit report with a little bigger print.) Don’t let them scam you into buying your credit score. Just need the credit report.
Other credit reports that say Experian are not nearly as good. (It’s free if you have been turned down for credit in the last 60 days. Most people have been, whether you know it or not.) The credit bureaus don’t like giving you something for free (even when they are required to), if they can sell it instead. So they make it tough. If you do a search for www.experian.com/reportaccess, they will route you to a pay site. You need to copy those words straight into your browser.
Get Your Free Credit Report at www.experian.com/reportaccess
This is how your first screen will look if you are at the right site.
Be sure to leave the // Yes box checked.
Your Free Credit Report by calling 1-888-397-3742.
There’s a second way to get the Experian Credit Report that has all the information we need. You can call Experian at 888-397-3742.
(Ignore their efforts to SELL you a credit report with much less information at Experian.com/now)
Hit 2–No you do NOT want their credit management tools. Hit 1–Yes you want your credit report. Hit 1–Yes, you’ve been denied credit. Then they ask you about your social security number, birth date and street address.
Experian mails you a code number that you–or we–can use on the internet to download your credit report.
That number is good for three months and updates your info, so it is really useful. Bring the credit report or just the number to your consultation.
Do you live in one of these counties?
One more thing: I serve all the counties under the US Bankruptcy court in Alexandria, VA. Those are:
Arlington and Falls Church City
Fairfax and Fairfax City
Prince William, Manassas and Manassas Park
At my Stafford location, I can also serve these four locations under the bankruptcy court in Richmond, Virginia:
(Since I can’t be in Richmond and Alexandria at the same time, I’ve arranged for Darden Hutson, an experienced, respected bankruptcy lawyer in Richmond, to go with you to your bankruptcy hearings in Richmond if you live in Fredericksburg, Spotsylvania, King George, or Caroline.
I’ve known Darden for many years–and worked with him closely as he organized the bankruptcy lawyers and others to fight for better bankruptcy exemption laws in Virginia. He is the leader of that whole effort.)
You can also visit our main website for the Fredericksburg area by visiting Fredericksburg Bankruptcy Lawyers
Either way, you will be amazed at how much better you handle everything, when you have a fresh start.