Convenience Bankruptcy

How are you doing today? Welcome back to This Needs To Be Said.

So you’ve seen the attorney and been in his office three times. Now, these days you just can’t afford to do that. People are working hard, they’re occupied from 8 a.m. till 6 p.m. and it’s become a real burden for many people to go see the attorney when they have to work so hard. Another problem is, most people are looking for lawyers on the internet these days, and maybe you’re located in Anne Arundel county and you see an attorney in Pikesville, that’s got 113 five star reviews, and you really want to work with that attorney.

But for you to get up to Pikesville, from Anne Arundel county, it’s 45 minutes to an hour each way, and that’s a burden, so then you’re going to take your risk on another attorney that may or may not be qualified and give you the confidence that you would want in a lawyer, that’s a second problem. Or, maybe you’re disabled, maybe you work crazy hours, maybe you just can’t get out of the house, maybe you don’t have a car, maybe you’re too far from the lawyer’s office to see if you can have your financial problems resolved.

So for all of those people, I have a program, and that program is convenience bankruptcy. What we do in convenience bankruptcy is first, we do the initial consult over the phone, and I collect the data that I need, we find out what your goals are, we lay out options that I think will solve your problem and if you decide you want to move forward with our firm, we can collect the payments over the phone with a debit card, we can set you up if you want, with a payment plan that tracks automatically from your debit card. We mail out a binder, we do things either over email … What I’m discovering as we get deeper into the 21st century, is that more people yearn for pieces of paper that they can fill out, or even a better way to put it is, choice.

Some people want to have a binder with all their papers in it, that they can refer to and put on a shelf, other people are more than happy getting documents sent to them by fax or email, and then leaving them in a special folder in their Dropbox or their Google Drive. We work either way, however you want to work, we’re happy to work with you in that regard. Then what happens is, you work for the papers, we have five different ways for clients to send us documents. They can send them by email, they can send them by fax, they can drop them off at the office, they can upload them or we actually have returned, self-addressed stamp envelopes that they can dump their tax returns and their pay stubs and their bank statements and mail them into our office.

Then we work up their documents, we send them to them, they sign them, they can scan them, they can take a picture of them, they can fax them, so that we have their signatures on them. We upload them to the internet, and they have one public appearance. I wish there was a way that I could get them out of that, but you have to appear physically in front of your bankruptcy trustee, to answer that person’s questions about your finances. And of course, we send an attorney with you to protect you, and to make sure everything goes the way we expect it to go.

That’s the only time you need to leave your house as part of the entire bankruptcy process. We’re proud and excited about this program, because it’s enabling us to reach a lot more people than we used to be able to reach, and we’re offering a program that I think really helps people who just can’t get out of their house, or take the time off from work to meet with the bankruptcy lawyer.

What did you see Ron, in your practice, or what did you see as you were reaching out to people, or people were contacting you about bankruptcy that made this process come about?

How can people get in touch with you to find out more about convenience bankruptcy?