October 2018

06 Oct Why I will be Rude to You After You File Chapter 13

I like my clients. I find bankruptcy work rewarding because I can offer positive change to the lives of honest, hardworking people who have an immediate financial problem. However, I can be an absolute pain in the rear end to my Chapter 13 clients after we file and during the two to four month period of time prior to the plan confirmation hearing. Why does this disconnect exist? Why would you want to hire a lawyer who will be demanding and abrupt? The answer is simple - if you want your Chapter 13 to work, you and I have a lot of work to do after we file but many Chapter 13 debtors do not realize this. It is tempting to think that your problem has been solved the minute we file your Chapter 13 case. The immediate pressure of foreclosure, repossession, wage garnishment and lawsuits is gone and all adverse creditor action stops. The phone stops ringing and the collection letters dwindle. The first court hearing - your meeting of creditors - won’t occur for 30 to 45 days so it is only natural that you will enjoy the quiet.
Read More