When a consumer sees an attorney about their debt problems, they want that attorney to determine the best ethical solution, involving them spending the least money and the least amount of time. For most people, that is going to mean either Chapter 7 or Chapter 13 bankruptcy.
They may also end up in an active bankruptcy case that takes ten times longer than necessary.
I just finished meeting with a charming, vibrant client. She lives alone, works at a hospital, and is several months behind in her mortgage payments. Unfortunately, she has no way to catch up on these payments. Despite this, the mortgage company has not yet begun foreclosure proceedings.
“No one is so brave that he is not disturbed by something unexpected.” This is a famous quote by Julius Caesar, and we here at Steidl and Steinberg wholeheartedly agree with the famous Roman emperor. Many of our clients have never had a reason to see an attorney. For many, going to see an attorney can, in fact, be somewhat disconcerting, especially when the issue is related to debt problems. Hopefully, this short article will alleviate some of this anxiety by letting you know exactly what to expect when you step into the Steidl & Steinberg offices.
It is actually easier to begin the discussion with what not to expect at your initial consultation. I am consistently told by my clients that they went to see an attorney for a problem and they walked out feeling worse than when they went in. This isn't because they got bad news from the attorney about their legal situation. It is because they were treated so poorly at the office! This does not happen at Steidl and Steinberg. We pride ourselves on treating all of our clients with the dignity and respect that they rightly deserve at all times. Our clients come to us with debt problems. They want to feel better after meeting with us, not worse.
Almost everyone thinks about death at one time or another, especially after the passing of a loved one or good friend. One of my close friends passed away recently, and it made me think about the interrelationship between what I do, working with people to solve debt problems, and what we can do to solve these problems. I realized that this happens much more often than I had previously thought.
This week, a couple came to my office to talk about the wife's mom. Her husband had passed away about two years ago, leaving his wife with almost nothing. There was money to pay for the funeral, but no life insurance or pension plan or any other money.
Does this scenario sound familiar to you? You were contacted by one of those out-of-town debt relief companies, or you contacted them, made the arrangements, and have been making payments for over a year. It seems to be working as no one has been calling you. There are no letters from debtors or lawsuits. You are feeling optimistic that this financial nightmare will be over in a couple of years.