When you schedule a consultation with me, I'll provide simple forms for you to complete and bring to your appointment. These forms require you to list all creditors, including secured debts such as mortgages, debts you intend to continue paying, and loans from friends or family you plan to repay, along with your current income and regular expenses. Using this information, I can evaluate your individual financial circumstances and determine which type of bankruptcy would be most beneficial for you. If bankruptcy isn't appropriate for your situation, I'll advise you accordingly. Everything discussed during our meeting remains confidential, and the consultation is provided at no charge.

In 2005, Congress passed bankruptcy reform legislation in response to pressure from banking and credit card industry lobbyists. Despite limited statistical evidence showing widespread abuse within the system, special interest groups persuaded Congress that individuals were filing for bankruptcy despite having the means to repay their creditors. The 2005 reforms require individuals to complete credit counseling before filing bankruptcy and to undergo personal financial management counseling after filing to qualify for debt discharge. The means test was also introduced as part of these reforms. These law changes placed additional responsibilities on attorneys to gather comprehensive client information before filing and mandated the Department of Justice to conduct random audits of cases for accuracy.

Yes, under certain circumstances. Your eligibility and the required timing between filings depend on what type of bankruptcy you previously filed and when that filing occurred.

Selecting a lawyer is a significant decision that shouldn't be based exclusively on advertisements. The information on this site doesn't constitute legal advice and isn't meant to address specific legal questions. This website provides general information only, as the application of law to your circumstances depends on your particular case facts. When you meet with me, I will use the information you provide to make a recommendation that is based on my evaluation of your financial circumstances. While the bankruptcy process is structured to offer a fresh financial start, individuals who proceed without professional guidance may encounter various complications. Throughout my career, I've maintained a commitment to ensuring my clients achieve optimal outcomes from bankruptcy filings and avoid unexpected adverse results, so providing complete and accurate filings has always been my standard practice.