The bankruptcy courts of the United States are empowered under Article 1 Section 8 of the US Constitution.   All bankruptcy cases are under the United States Federal Courts.  The fundamental purpose of bankruptcy is to give a fresh start or a way to reorganize existing financial circumstances.

What do I need to get started:

Your first step is to call us at 954-463-6500.   When you consult with an attorney, your conversation and communications are subject to attorney client confidentiality.    

While the first meeting with a lawyer can outline exactly what your rights and options are under the law and constitution. 

Eventually you will have to provide the following:

-Bank account records.

-Pay Stubs

-Retirement account information (if any)

-vehicle information (copy of insurance card, ownership paper)

Information which we obtain for you as part of the representation:

-your tri-credit report

-the last four years of your tax returns

You will have to take a short class:

Under the new law you will also be required to take two classes for credit and financial management.   One class before you can actually file bankruptcy and one class after you file bankruptcy in order to receive your final discharge.   If you file bankruptcy without taking the class (or falling in one of the very specific exceptions to taking the class before filing) your bankruptcy will be subject to dismissal.

The classes are not as scary as first represented when the law required them in 2005.  The classes are offered by various companies and many are little more than a class taken over the telephone for approximately thirty (30) minutes.  Classes are also available over the internet.

The objective of bankruptcy is to give you a fresh start.   This is achieved by honestly looking at your assets and debts in order help you into your fresh start.

You will have to attend at least one court appearance:

The court appearance is the first meeting of creditors also called the "341 meeting".  This is the meeting with the bankruptcy trustee assigned to your case and an opportunity for the creditors to ask you questions.   Your attorney is present at the meeting with you.    The bankruptcy judge is not at this meeting of creditors.

Creditors are not allowed to conduct an in depth deposition at this meeting.  If any creditor wishes to do an in depth examination the have to schedule a separate deposition referred to a "2004 examination".    Those generally are used when there are complex business interests, financial discrepancies in the petition, or some other type of circumstance which can not be explained during the 341 meeting or within the four corners of the bankruptcy petition.

For an appointment

please call

954 463-6500