Consulting with our Office
January 9, 2015
Many bankruptcy attorneys use gimmicks and tricks when it comes to consulting with those inquiring about their services. They will charge a fee just to answer basic questions or they will try and trap individuals into hiring them by only doing their consultations in person. At the law office of Jeffrey J. Randa we do all of our consultations right over the phone, and they are FREE. Many people ask, “What’s the catch?” and the answer is: there is none. It is exactly as stated, free and over the phone. Our office understands that people in need of financial relief tend to not have the most flexible schedules. They typically are working every day of the week and cannot afford to take a day off, or they simply do not have the means to drop everything just to come to our office to have their questions answered. We try to make our assistances as convenient and available as possible. At our office, there will always be a highly qualified even at your standard lunch hour. During this phone consultation, we will be able to screen you to determine if you are eligible for Chapter 7 in the matter of minutes as well as answer any questions you may have. Our office prides on being open and honest; we do not see the purpose of hiding our fees or our standard processes. We have specific questions we ask each individual calling inquiring about Chapter 7 Bankruptcy and follow describes exactly that:
- Where do you live?
The first question we ask an individual is where they reside. Our office handles bankruptcy cases that are heard in the Eastern District of Michigan, specifically in the Detroit Division. If you are located in any of the following counties: Macomb, Oakland, Wayne, St. Clair, Sanilac, and Monroe, we can help you. Not only does your county of residence determine if you are a part of our office’s jurisdiction, but this detail allows us to know the amount of everyday living expenses you are allowed to have based on the IRS standard living allowance. This is very useful when shaping and reviewing your budget to determine if you are eligible to file for Chapter 7 bankruptcy.
- How many people are in your household?
Household size is an important factor. We need to know if you are married (even if your are seeking to file individually), if you have any children, their ages, and if there is any one else you claim as a dependent on your tax returns. The amount of allowances one can have depends on how many are in the household. A person who is financially responsible for 3 dependents will be allowed to have greater allowances and expenses than an individual with no dependents. Knowing your household size will give our office a better picture of your specific situation and will bring us one step closer to determining your eligibility
- What is your average gross monthly income?
“Gross” revenue is defined as the amount of income you receive before taxes or other deductions are taken into account. Whether you obtain income through employment by paychecks or 1099’s, if you are unemployed and receiving benefits, or if you simply receive SSI, pensions, child support, family help or any other monies, we will inquire about the gross figure on an average. This quantity is the most important consideration we use in determining where you stand financially and what chapter of bankruptcy is the best option for you.
- What are your everyday living expenses?
Everyday living expenses are expenditures that are necessary for your health and wellbeing. This includes payments towards rent, mortgages, food, clothing, personal care, utilities, transportation, healthcare insurance, lot rent and many other sources. Living expenses does not include monthly payments to credit card companies, collection agencies, outstanding medical bills, wage garnishments or lawsuits. During our consultation we will be able to explain to you what other possible expenses you may be able to include.
These specific questions cover the major components that come into consideration when determining your filing eligibility. After consulting, our office will be able to know exactly how we can help get you back on a path towards financial freedom. Our job is to not only determine your eligibility, but to also answer any questions you may have while providing you with all of your options. We take the time to thoroughly discuss your financial situation to see if filing for bankruptcy is, in fact, the right route for you. Give our office a call today at 586-228-6523 to make the first step, even if it is just to inquire. The phone call is FREE and there is always a staff member available. By the time you hang up you will already begin to feel more informed and a sense of support. Let us help before your debt becomes bigger and your fiscal state becomes worse. We can stop those harassing creditor calls, protect your assets, and give you a peace of mind. Our business hours are Monday through Friday, 8:30 AM to 5:00 PM. You owe it to yourself to review all your options.