Frequently Asked Questions

You won't need to vacate your home until it is sold at an auction, which is the final phase of foreclosure.

While it can take as little as a few months for a foreclosure case to close, it can take years if you file an answer to the notice and work with the lender.

The filing of legal proceedings such as lawsuits, garnishments and foreclosures are public records. We subscribe to a service which provides us with your name and address and in return we send you our introductory letter offering a free consultation.

In most cases a lawsuit, garnishment and foreclosure are governed by state law and bankruptcy is governed by federal law, which trumps the state law.

Yes, Yes, Yes.

In most cases, you are required to include all household income including the non-filing spouse, but you also get to include all household expenses.

Mandatory Credit counseling prior to filing bankruptcy is one of the changes in the new bankruptcy laws. We suspect, that the reasoning behind this requirement is so people are more educated with the process and are better informed of their financial situation prior to filing for bankruptcy protection.

It has been our experience that an office consultation is more effective than a phone consultation.

$299.00

$274.00

We use Consumer Credit Counseling Services and they charge $50.00 per course.

Yes, the 341 meeting of creditors and sometimes other hearings.

Two forms of identification, including one picture id (i.e. driver’s license) and proof of social security number. We recommend that you bring a copy of your bankruptcy petition and notice of meeting of creditors.