I Am Your Bankruptcy Lawyer … What Do I Do?

31 Dec I Am Your Bankruptcy Lawyer … What Do I Do?

Consumer bankruptcy lawyers are among the most unappreciated and underpaid people in the entire bankruptcy system.

On a time spent basis, we rarely get paid our full hourly rate for the time we put into each case.

On a benefit to our client basis, we usually get only a tiny percentage of the financial benefit received.

On a service to the entire bankruptcy court system, we generally don’t even get a “thank you”. Instead our work is often questioned, our fees are often slashed, and we are often blamed when our clients don’t follow through on their commitments.


What do I do for you, my client?

I hire a staff that is both sensitive to your needs and thorough in their review of your paperwork

Along with my staff, I help you to organize your information so together we can understand and solve the entire puzzle that is your financial situation.

I listen carefully to your questions and concerns.

I explain all of your options including bankruptcy and non bankruptcy possibilities. I explain Chapter 7 and Chapter 13, and if you are a farmer, Chapter 12.

I help you to set up and live by a budget that allows you and your family to live within your means.

I double check all of your paperwork to make sure it accurately reflects and discloses your complete financial picture.

I file your bankruptcy petition, talk to your creditors for you, “hold your hand” at the meeting of creditors, and stand up for you in court whenever needed.

In fact, I stand up for you against whatever is coming at you from your creditors and bankruptcy trustees.


What do I do for the bankruptcy system?

I am the gatekeeper for the entire bankruptcy system.

Although the “tall building lawyers” who work on Chapter 11 cases get most of the attention at seminars, and are allowed by the bankruptcy judges to receive huge legal fees, it isI, along with my fellow consumer bankruptcy attorneys, that file nearly 95 percent of all of the bankruptcy cases.

I am the one who makes my clients’ case presentable and understandable by the trustee, the judge, and the creditors.

I am the one who organizes and sends the documentation to the trustee.

And I am the one who has to answer to the US Trustee’s office if my client’s situationdoesn’t fit into the little boxes they understand.

And I am the one who forces the Bankruptcy Court to interpret the bankruptcy law.

And I am the one who fights against the restrictions that Congress tried to impose to make it harder for financially struggling individuals and families.

And I am the one who works to get abusive creditors off their backs and truly achieve a fresh start.

And that is what filing for bankruptcy is all about.


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Peter Orville is a bankruptcy lawyer in Binghamton, located in the Southern Tier of New York. He is a member and New York co-chair of the National Association of Consumer Bankruptcy Attorneys.
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