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The Cheapest Bankruptcy Services In Arizona, Guaranteed!

By Joseph McDaniel, Esq.

Frequent readers will recall that I am not the lowest-cost provider of bankruptcy services in Arizona, by choice. There are all sorts of beginners who guarantee the lowest prices on a bankruptcy case, Chapter 7 or Chapter 13, in Arizona, for folks who care only about price.

And more power to them; even barbers have to start in Barber's College, and they get practice, you know? I just never wanted people to practice on me after I could afford an actual barber!

And I try to get good results for all my clients, even though that project is far from easy.

On the other hand, sometimes I talk to somebody who has a pity pitch that makes me cry. I try not to break down in the office, because that's kinda like hearing the surgeon say "Ooops!" when you're coming out of twilight sleep.

But there are folks who, if it weren't for bad luck, would have no luck at all.

I met a lovely young mother recently who works a hard, low-paying job so she can rush home to take care of her poor mother, who broke half the bones in her body in a fall, and who has a young child with health issues. And mom, while beautiful, has her own share of health thingies going on.

She's a hero. I didn't resent it when she used up some of the Kleenex in my office.

But I wasn't about to take her money.

She has noooooooo assets.

She has tiny debt.

She has tiny income.

So I talked to her for a half hour and printed out the Bankruptcy Court Self-Help information for her.

Would I send all my clients there?

Get real. Many of my clients have big incomes, big debts, and big issues. And any one of those requires, in my humble opinion, a real live Arizona bankruptcy lawyer. Board certified, AV rated, AVVO 10, and maybe they have a chance of a good result.

But if somebody is far below the means test, and has teensy little debts, and has no assets at all, and no complications, I don't want to take their butter and egg money for the next three months to file for them.

Mind you, I'm not St. Francis of Assisi.

When somebody comes in who has a few million in debt, and serious issues, and is currently paying credit card companies five thousand a month, I'll certainly charge that individual a fair fee.

But some folks are so down it looks like up to them, and in a very few carefully selected cases I will refer to the Self-Help Center at the Bankruptcy Court for the District of Arizona.

It's not a perfect solution, but in insolvency situations, there are few perfect solutions.


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Full post as published by Arizona Bankruptcy Attorney Blog on September 17, 2010 (boomark / email).