6,896,135 PEOPLE CAN’T BE WRONG
6,896,135 people have filed for bankruptcy since 2011. That’s roughly 2,697 people per day who have decided that it’s better to use the law to their advantage instead of remaining in financial slavery.
Of course, everyone has a different situation and bankruptcy isn’t always the right decision. But you need to ask yourself this simple question:
How did 5% of the U.S. adult population file for bankruptcy in the past 6 years and continue to buy homes, cars and live their lives?
The answer is simple: bankruptcy is nothing more than a legal tool that allows people to plan for a better and more prosperous financial future.
Maybe bankruptcy is a good idea for you, and perhaps it isn’t. Either way, you’ll never know unless you talk with an experienced bankruptcy lawyer with the knowledge you need to get you through your bill problems.
That’s where we come in.
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HOW CAN BANKRUPTCY HELP YOU?
The constant phone calls, letters and threats of wage garnishment have been found to cause depression and negatively impact your mental health. This can cause problems with your marriage, your relationships with family members and friends, and your job performance.
In fact, a recent article published in the journal Clinical Psychology Review reviewed 65 studies and concluded that the likelihood of having a mental health problem is three times higher among people who also have debt, compared with people without debt.
ABOUT THE FIRM
My name is Jay Fleischman, and I’m the Managing Attorney at Shaev & Fleischman, P.C. Over the past 22 years of practicing bankruptcy law, I’ve helped thousands of people get out of debt.
I’ve also taught hundreds of lawyers how to use the bankruptcy laws to resolve student loan problems, improve their clients’ credit reports, and fight back against debt collection harassment.
Our job is to make your life easier. From the moment you make an appointment to speak with me, you’ll notice that we do things a little different around here. For example:
- You can schedule your appointment online. No more playing phone tag or waiting on hold.
- Meetings will be held by phone so you don’t have to take time out of your busy schedule to come to the office.
- You’ll receive a complete mp3 recording of every meeting. This allows you to pay attention to the conversation instead of scribbling notes.
- Upload documents and information securely through our web portal.
- Our team is entirely location-independent, working from every time zone in the United States.
More than just bankruptcy. When it comes to getting out of debt, there’s no single solution that works for everyone. Student loans, tax debts, and other issues may be handled outside of bankruptcy – but good luck finding a lawyer who can address all of those needs.
When I help a client, the tools I draw upon include the credit reporting laws, debt collection statutes, and regulations governing student loans. In doing so, I can help you craft a complete plan of debt relief that gives you the best possible outcome.
Transparent fees. Call every bankruptcy lawyer and ask how much they charge. Most won’t give you a straight answer – and those who do quote a fee will probably give you a whole list of exceptions and limitations.
Satisfaction. Guaranteed. Lawyers can’t guarantee specific outcomes, but we do ensure your complete satisfaction with the service you receive. If you’re unhappy with the way you’re treated at any time during the course of our relationship, just let me know – I’ll make it right.
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ANSWERS TO FREQUENTLY-ASKED QUESTIONS
Most work is on a flat-fee retainer basis. It’s tough to narrow things down more than that because I don’t know what needs to get done for you (if anything).
As a general matter, here are some ideas on what we charge for bankruptcy cases:
- Initial Meetings: $180 for 30 minutes
- Chapter 7 Bankruptcy (NY and CA Cases Only): $1,200 – $3,000 plus court filing fees, depending on the complexity of the case. There may be additional costs if we need to work with you over a longer period of time to obtain necessary documents and information for your case. If you own a business or are self-employed, our legal fees may be higher.
- Chapter 13 Bankruptcy (NY and CA Cases Only): $1,200 – $3,000 plus court filing fees up front, depending on the complexity of the case. There are also additional legal fees that will be paid during the course of your case, but those will usually be a portion of the monthly payments arranged through the court.If you own a business or are self-employed, our legal fees may be higher.
Yes, we offer payment plans. Just remember – the faster you begin, the sooner you can put your worries behind you and start to re-build good credit and financial stability.
We can move as fast as you do. Once we have all of the information we need to prepare your court documents, we can have your case ready to be filed in as little as 24 hours. Our goal is to help you get the relief you need as fast as possible.
You will not have to give up anything – unless you want to. Certain types of bankruptcy cases allow you to keep your belongings up to a certain value, whereas others allow you to keep everything regardless of value. Part of our job is to determine whether you will be able to keep everything you own – if that’s not the case, then it will be your decision whether to file a case or not. So long as we know about everything, you won’t be surprised.
If you’re here, there’s a good chance your credit is already pretty bad. One of the most important factors in credit scoring involves the percent of your available credit that you’re using. And if you’re past due on any of your debts … well, that just makes things worse.
The good news is that bankruptcy will improve your credit faster than paying off the debt. The Federal Reserve Bank of New York looked at two groups of people – those who filed for bankruptcy, and those who worked to pay off their debts – and found that people who go bankrupt experience a sharper boost in their credit score after bankruptcy than people who do not go bankrupt.