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With No Money, How Do I Pay My Attorney to File My Bankruptcy?

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How do I Pay My Attorney for My Bankruptcy?

By, Ginger Kelly, Esq.  April 10, 2018

The other day, a personal friend asked me (for a friend), whether or not they should she use their tax return tax refund to pay down their credit card bills or to replace the old and leaking roof on their home.  Their roof needed repairing badly.  Their credit card debt was very old and the payments were more than they could afford.  Even though I can’t make that final decision for this friend’s friend (or any of my clients), I can advise most folks of their legal options.  When people need to make a choice between a roof over their head or paying credit card bills, one good option available to most everyone is a fresh start.

In many or most situations, bankruptcy can give an individual or a couple, the fresh start they need. If you are in a position where you need to make important decisions like what to pay and what not to pay, like a roof on your home or to repair the vehicle you need to get to work, talk to a good bankruptcy attorney.  Most give free first consultations, like our office. Bankruptcy might be an option for you, or maybe not.  A person hasn’t lost but an hour of their time discussing their options with a good attorney.  Talking to a professional about options for taking care of debt, sometimes gives the clarity you need to make the right decisions for your future.

A client visited me the other day to discuss her situation. Apparently, she had debt exceeding any amount she could pay.  It wasn’t much debt, but it was a lot for her and that is important. Her earnings were barely more than the poverty level.  So while we had a nice hot cup of coffee, we talked about all of her options.  It was a nice pleasant, casual conversation.  I discovered that my client earned too much money to qualify for a free bankruptcy, through legal aid. She was sad and asked me what can be done.

Because her bankruptcy was not complex, I agreed to lower my fee. I gave her my best  fee option. Still, she was worried. Where would she find the money to pay the attorney fee? I asked her if she was getting a tax refund. She said yes, but it wasn’t enough. She was sickened with the idea of paying creditors all of her disposable income for years to come.

All of a sudden, she had an idea. She said, rather than trying to negotiate and pay down her credit card debt, using all of her disposable income, she said she could ask her uncle for the money. She said that she was thinking of asking him for a gift to help her pay down her loans anyway. Why not ask him for the same gift to pay her attorney’s fees?  Good idea! Sometimes asking relatives to help is a better option than worrying about how to pay overwhelming debt. I’ve had several clients in this kind of situation.

Once, a couple was in the same situation. The wife lost her job due to illness and then one thing led to another. They became deeply indebted, mostly to unsecured creditors (credit card companies). The best option for them was to file for bankruptcy. We talked a little bit and I gave them my best rate.  They were thankful, but without the extra cash, they didn’t know how to pay the legal fees. This was a problem for them.  However, determination overcomes lots of obstacles.

This couple scraped and saved and paid a little along. One spouse sold a baseball card collection and some tools.  The other sold some furniture they no longer needed. They used Craigslist and Facebook Yard Sale to sell a few more things.  They sent checks, one by one, to our office. Sometimes the check was small, sometimes large. We placed all of these funds into our client’s trust account, on hold for them until they finished paying. It didn’t take long. Within about four months, this couple paid all their fees, including the filing fee. This couple couldn’t have been happier.  I was so happy to help them in this way.

Once a person is determined to make a bad situation better, magic happens. There are more options for paying lawyer’s fees than these. Options are only limited by a person’s motivation, determination and imagination. Typically, I ask clients whether or not they have a tax refund coming to them.  This is a very good option for covering fees and things.  Then, I suggest asking friends or relatives for a gift.  At our office we have many ways of making your bankruptcy affordable, sometimes even free or at a reduced rate. Ask us how and perhaps we can help to make your fresh start,more affordable.  It may be easier than you think.

The Law Offices of Ginger B. Kelly is now accepting clients in the Sturbridge, Southbridge, Dudley, Webster, Oxford, Charlton, Auburn, Spencer, Brookfield, Warren and all of the Worcester County Area. We can explore whether or not bankruptcy is the easy way out or not.  We have a comfortable place to talk and a free pot of coffee waiting for you.

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ABOUT ME: Attorney Kelly is an attorney in good standing, licensed to practice in both the Federal District and State Courts of Massachusetts and Rhode Island. Her law practice is focused on consumer debt, finance, bankruptcy and District Court matters. Attorney Kelly is experienced in both criminal and civil trial work. On a personal note, Attorney Kelly enjoys writing and other things, like conservation and agriculture. To find out more, visit, http://www.attorneykelly.com or call us at (508) 784-1444.

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NOTICE: This is an Advertisement. This post is not legal advice. Consult your attorney. Attorney Kelly does NOT provide legal advice to anyone via social media or anywhere over the Internet. Any and all electronic posts and writings, by Attorney Kelly, does NOT establish any type of attorney-client relationship, whatsoever, neither perceived, actual, material, implied or other. We cannot stress enough, if you need personal legal advice, always see your attorney. Do not rely upon Attorney Kelly’s posts, writings or any Internet information on websites or social media for your own personal legal advice. Seek legal advice and representation from your own personal attorney.

Copyright © 2018 by Ginger B. Kelly, Esq., all rights reserved.

 

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More about Attorney Kelly

Since 2005, Attorney Kelly has been practicing law.  With a strong background in corporate law, consumer finance, criminal defense, conservation and agriculture, Attorney Kelly is passionate about the things that really matter to you. Attorney Kelly knows that sometimes life gets complicated. Finding a good attorney shouldn’t be.

Relationship-building and maintaining affordability is only part of what we do. We also believe in honesty and transparency. This is why each issue and question, brought to our attention, is carefully considered and evaluated. If we are unable to accept your case, we will let you know and give you the best referral possible, free.

We also offer many of thUS District Court District of Rhode Islande best attorney referrals in Massachusetts and Rhode Island.

“Sometimes life gets complicated, finding a good attorney shouldn’t be.”

— Attorney Kelly

AREAS OF PRACTICE

BANKRUPTCY – What we do: Chapter 7, Chapter 13 Bankruptcy and Chapter 11 referrals for corporations, partnerships, LLC companies and individuals who do not qualify under Chapter 7 and 13.  On a limited scope basis, we may assist certain pro-se filers on a case-by-case basis.  What we don’t do:  We are not a “bankruptcy mill.”  We do not shuck-out bankruptcy documents without careful, individual attention to you and your situation.  We will never compromise quality, based on the size, complexity or simplicity of your case.

CIVL – What we do: Credit card and consumer defense, debtor’s rights, foreclosure, repossession, lien, garnishment, student loan defense, debt settlement and credit restoration.  We also handle accident and injury claims, civil infractions, contract, harassment, neighbor disputes, tort and landlord/tenant matters on a case-by-case basis.  We draft wills, medical directives (health care proxies) and financial power of attorney documents.  We accept issues regarding claims settlements, alternative dispute resolution (ADR) and Mediation, on a case-by-case basis.  We also draft contracts, including domain name purchase and sale transactions and transfers and review all types of contracts, including residential and commercial construction contracts.   What we don’t do:  Professional and Medical malpractice cases, complex multiparty litigation, tax and estate planning, intellectual property, patent, copyright and family law.  We also do not take class action or employment and labor dispute cases.

Corporate & Business – What we do:  Corporate formation and records management including non-profits and 401(c)(3) qualification.  We also advise on business compliance issues and financial transactions for corporations, contractors and small businesses. What we don’t do:  Publicly traded corporations, mergers and acquisitions, complex restructuring, capital markets, private equity and corporate governance.

Criminal Defense,  Arraignments, criminal records sealing, unlawful possession of a firearm or controlled substance, OUI/ Melanie’s Law, ignition interlock compliance and hardship license, search and seizure,  traffic, speeding and misdemeanor offenses, simple assault, diversion programs and sentencing alternatives, theft crimes, shoplifting, larceny and more.  Each criminal and traffic matter is evaluated on a case-by-case basis. What we don’t do: Appeals, major felony offenses and capital crimes.  Felony offenses involving firearms, robbery, deadly force, domestic violence and sex crimes.

Agriculture & Food, Right-to-farm and farming rights, insurance, zoning compliance, land tenure and tenancy, agriculture finance, organic certification and records management.  We also advocate on behalf of farmers, farmer’s markets, agricultural inspectors, homesteaders, small farmers, seed banks, coops and gardeners.  What we don’t do:  Labor disputes, worker’s compensation and immigration law.    

Conservation & Environmental Advocacy, Alternative energy and environmental due diligence, advocating and lobbying for conservation and clean energy issues, permitting, compliance and structured finance, septic, water and environmental compliance, wetlands, species-at-risk, air-noise-odor issues, contamination and environmental site research and advocacy.What we don’t do:  Brownfields, Eminent Domain, solid waste and EPA Superfund litigation.        

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ABOUT ME:  Attorney Kelly is an attorney in good standing, licensed to practice in both the Federal District and State Courts of Massachusetts and Rhode Island. Her law practice is focused on consumer debt, finance, bankruptcy and District Court matters. Attorney Kelly is experienced in both criminal and civil trial work. On a personal note, Attorney Kelly enjoys writing and other things, like conservation and agriculture.

To find out more, visit, www.attorneykelly.squarespace.com or www.attorneykelly.wordpress.com, or call us at (508) 784-1444.

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NOTICE:  This is an Advertisement.  This post is not legal advice.  Consult your attorney.  Attorney Kelly does NOT provide legal advice to anyone via social media or anywhere over the Internet.  Any and all electronic posts and writings, by Attorney Kelly, does NOT establish any type of attorney-client relationship, whatsoever, neither perceived, actual, material, implied or other.  We can not stress enough, if you need personal legal advice, always see your attorney.  Do not rely upon Attorney Kelly’s posts, writings or any Internet information on websites or social media for your own personal legal advice.  Seek legal advice and representation from your own personal attorney.

Copyright © 2015, 2016, 2017 by Ginger B. Kelly, Esq., all rights reserved.

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