The safety of our clients and staff is our highest priority. We continue to deliver the best, high quality legal representation that our clients expect using cutting-edge technology. We keep on top of all new laws and regulations on a daily basis as the law develops during COVID-19 with the goal, as always, to help you reorganize, get rid of debts, and save your home and business.
We like nothing more than meeting clients in person. In person, you can meet our warm, caring staff, see our office where we have been located since 1991, and truly get to know your bankruptcy attorney in person. I love meeting with my clients. It’s one of my favorite parts of the job. Along with going to court and delivering consistently excellent results.
I have had the setup to connect remotely, and in a virtual fashion with clients for the past 8 years but have always preferred in person meetings. I am fortunate to have a paperless office that works seamlessly even if client and attorney are not meeting in the office.
The client experience begins with an initial free consultation, when I explain how bankruptcy works, answer all of your questions, and go over costs, fees, and affordable payment plans. My goal at the consultation is for us to make a carful determination of whether bankruptcy makes sense for you and to map out a concrete plan to meet your goals. As well, and just as importantly, the initial consultation provides us an opportunity to see if we will work well together. You should feel that you are in expert caring hands, who will take on your worries and anxieties and expertly right the ship. On my end, the consultation gives me an opportunity to get a sense of whether or not we will work together. Certainly, you shouldn’t just hire any lawyer. And on my end, I don’t take every client. We have to be a good fit.
Since March, all consultations have been via Zoom. I will continue to meeting with clients via video conference until the point when we can ensure absolutely safety meeting face-to-face with no risk of transmission of COVID-19. I have a secure, encrypted, password protected meeting and see each other face to face. As we adjust to this new normal for however long, Zoom provides ability for us to replicate an excellent consultation experience, from the safety and convenience of your own home.
After the initial consultation, we have a follow-up Zoom appointment to execute your retainer agreement, review your credit reports and any pending lawsuits, and to gather the information needed for your bankruptcy case, loan modification, or foreclosure defense. I firmly believe in making your life easier through this process. Rather than having you fill out 90+ pages of detailed, confusing, and sometimes overwhelming information, we do it together. No stress, and I have what I need to complete your file. I email a list of anything additional that I need. As always, you have my cell phone number and can call, text, or email me anytime. After your retainer appointment, I send out Notices of Representation of Consumer Debtor to your creditors. These notices stop creditors from calling you and sending harassing mail. Instead, they call my office and direct all of the collection mail to me.
As much as I enjoy using technology, you are always welcome to drop off any information needed at the office if you prefer to do so rather than sending it via email or Dropbox. There is a mail slot at the bottom of the office door so that you can drop off paperwork 24/7.
Working on your timeline, and at your disposal, a complete bankruptcy petition can be ready within several days of retaining my services, for your review. The bankruptcy petition is the document filed with the court seeking reorganization of your debts and assets or a liquidation of your debts. At your petition review Zoom, we will go over your bankruptcy petition draft and make any necessary changes. I then email you the draft to review and advise of any changes. With the changes made, you can sign your petition and send me a picture of the signature page. During COVID-19, the court has relaxed the wet ink signature rule to file a case. Upon receipt of the signed signature page, your bankruptcy petition can be filed. The court rules require that you do mail the original signature page to the office for your file.
Bankruptcy Court During COVID-19
The United States Bankruptcy Court for the District of New Jersey has operated smoothly and seamlessly since the Shelter-in-Place order with no delays. Our bankruptcy court was one of the first in the nation to allow electronic filing, in the early 2000s.
Once your case is filed, the hearing is scheduled automatically by the bankruptcy court. Hearings are approximately 4 weeks from when your case is filed. I will send you a letter with detailed instructions at this point for your hearing and any information needed for the bankruptcy trustee.
Prior to your hearing, we will have a Zoom meeting to simulate a hearing and go over any questions you may have. Don’t worry, my hearings are smooth and stress free for my clients.
Your hearing will be held either telephonically or via Zoom. You are at your home, and I am in my office. If you don’t have experience with Zoom, don’t worry. You will be completely familiar with it from working with me. You will appear in front of a bankruptcy trustee. There are approximately 10 trustees in our federal district. I maintain an excellent relationship with all of the trustees due to my work product, top-notch reputation, and professionalism.
Post-hearing, we’ll meet to discuss next steps and your Discharge of Bankruptcy. The discharge is when you receive official forgiveness on your debts.
I look forward to meeting with you and being of assistance.