Clients who come in to Steidl and Steinberg with debt in tow will often say, "I know this doesn’t seem like a lot of debt compared to most of the clients you see.” The funny thing is I hear it from people with anywhere between $8,000 and $30,000 in debt. Or sometimes more. But what is the minimum amount of debt you are required to have in order to consider filing for bankruptcy?
“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.
01.21.2015 | by Kenny Steinberg
The bills are coming in already. The phone calls are right behind. Everybody wants to be paid. It’s a new year, but nothing has really changed.
And why would you expect things to change unless you have changed? If you are late on your payments, why would you think that your creditors would give you a break just because it’s a new year? And if you are making just the minimum payments, why would you think that it was now going to take you less than 15 years to pay off the debt? Did you think there would be
The only way things are going to change is for you to change. That means that you have to take action. Action can include many different things: making and sticking with a budget, getting another job, reducing your expenses, getting debt counseling. Or seeing an attorney with experience in the area that you are concerned about.
We have that experience at Steidl and Steinberg. We have been doing work in this area since the beginning of our existance in 1985. And we are prepared to discuss different types of solutions that may work for you. And we will consult with you for free.
Solutions may or may not include the consideration of a bankruptcy. And there are different kinds of bankruptcies to consider, including those that pay back money to creditors that those
that do not.