The attorney's fees for bankruptcy are discussed at the initial consultation.  They are competitive and include the filing fee.  There are no extra fees or hidden fees.  They also include the free seminar at the close of the case entitled "Your Financial Future After Bankruptcy."  You receive a CD with a workbook to help you with all the important information necessary to begin life after bankruptcy.  

The reason the fees are dicussed at the initial consultation is to ensure we fully understand your situation and all the issues.  This requires obtaining information, paperwork, and reviewing documents. 

We provide out debtors with timely information, provide a thorough case review and help them reorganize--not simply make the phone calls stop.

In almost 20 years of practice, I have never had a client have a Trustee or the United States Trustee's Office successfully challenge pursuant to Section 707(b) a client's information, or a Trustee prevail on an objection to discharge.  We review our clients information with the necessary scruitny necessary to ensure their success throughout the process. 

We also have a payment plan for fees.  The initial fee to get started is $175.00 which is due at means testing.  The remaining fee is broken down and one-half due at petition review and the remaining half due prior to filing the petition. 

Our fees are not only affordable, they are broken down so our clients can afford our fees in most cases and we do not charge fees for amendments if the information was disclosed by the client in our workbook. 

Call today for a  initial consultation.

The following form is useful when submitting to the Internal Revenue Service to settle a debt.  If they accept the terms (after submission and review of your financial data) the IRS may propose a settlement on terms that are mutually acceptable.

Please fill out after downloading the workbook for submission.  You should bring it with you for means testing.

This is an important question and must be carefully considered before you make a decision.  The issues that affect this decision are several and include valuation, negative equity, the year of the home, condition, location, and the mortgage payment, availability of a modification, and the like.

In order to answer this question, you must be screened and the information carefully considered after careful analysis.

Call TODAY for a  consultation.

Call 296-1050 for emergency representation.

We are available 24 hours.

If you have a small business, your business is not part of an individual bankruptcy.  However, your stock and interest in the corporation is valued and must be accounted for.  I usually utilize book value to determine your share value of the stocks. 

An S-Corporation means that you are incorporated and are taxed at the individual rate.  Thus, you are still a corporation and it is not included in the bankrutpcy unless there is a particular reason to file.  It can be filed as a Chapter 7 separately or under 11 or 13 depending upon the circumstances.

If you file, your small business will be affected in different ways, so you should obtain counsel if you are considering bankruptcy as an alternative.

Call TODAY for a  consultation.

There are loan modifications offered by the government through the private lenders known as the Making Home Affordable Program (HAMP or HARP).  This program is designed to make the home affordable by reducing the mortgage payment to 31% of the gross income.  There is a website you can visit for a fact sheet

There is also a hotline that you can call which is known as the HOPE hotline, and is a free toll free call at 1-888-995-HOPE.  Before you proceed with these options, particularly if you are facing foreclosure, you should call us TODAY.  We can provide you with free information packet and to help you with your application process.

These issues are complicated and frequently will require that you proceed with litigation and a modification simultaneously.

Call us TODAY for a  consultation.

If you are facing foreclosure, we can assit you with helping to work out your loan at mediation.  We request mediation and pursue a modification that may enable you to remain in that home.  There are companies that are advertising the ability to help you with a modification.  You should beware.  This industry is unregulated and it is the subject of a recent news article by the Times Union.  We have addressed it on this site under the News heading. 

These foreclosure mediations are performed at the Jacksonville Mediation Center, located at 2700 University Blvd. West.

There are programs available to homewoners who need assistance.

Cal TODAY for a  consultation.

The decision to file for bankruptcy is not one to be taken lightly.  If you are behind on bills, being garnished, in foreclosure, or have a creditor threatening repossession, you should obtain counsel to assist you.  At Robert J. Slama P.A. we do an in-depth analysis of an individual's financial situation to ensure that they are aware of all of their options and prior to making a filing decision consider the impact of a bankruptcy case. There are several different chapters in bankruptcy, each having unique features. During our session we will establish what your goals are, ask questions to help create a basic outline of your financial situation, inform you of what chapters you qualify for and attempt to determine which chapter would be most helpful with achieving your goals.

For over 10 years, we have helped those facing financial distress and have provided them with the knowledge and counsel to reorganize their financial future. 

We also provide you with Counsel and materials to help you reestablish your financial future called Your Financial Future: Making a Fresh Start.

After the initial consultation, you will return within 7-10 days for means testing.  We will file your case accordingly after review of your finances, your unique circumstances, and your financial goals.  If you have a small business or investment properties, we will consider all the options that affect these assets as well.

For an excellent overview of the Bankruptcy Reform Act of 2005 visit

 call 904-296-1050  or email Lorrie by clicking here to schedule an appointment.

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