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Am I Too Tough to be Your Bankruptcy Lawyer?


This past week I sat through a session with a couple who left feeling offended at the truth of their situation. We went through their budget and they could not afford their life style.  Just remember – the numbers don’t lie. If you can’t afford your house in the neighborhood of your dreams than you better get ready to move, get a job or win the lotto.

Bankruptcy does not create income – it only manages debt.

After an hour or so of “whoa is me” and the usual “pity party” , I cut to the chase with this couple:  What do you want to do? I was direct, professional and to the point. I pulled a credit report (on my dime) and ran their budget and other very useful information that you can find on my checklist.

I guess I didn’t provide the “warm fuzzy” that was expected from someone who lives in a neighborhood with this judge and that tycoon and this super business person and on and on. They took all of my work product and ran down the street to a competitor who sat back and said to himself (“Thanks Mike for putting this case together for me). Now, he can be the good guy that saves the day and I am a jerk for being too tough.

Listen folks: Bankruptcy is not a warm fuzzy matter. This is serious business. I take my job very seriously. And – don’t tell me I lack sympathy or empathy – I have been in your shoes. Been there, done that. Brutal, humiliating, embarrassing and very real. Just like me – the real deal.

I take great pride in the standards of due diligence which we maintain at my office. If you can’t deal with it – fine. You can find any lawyer to do a bankruptcy for you. But – will you get the message – to wit: Are you living within your means? What happens after you file, your debts go away and you still can’t afford your lifestyle?

Good questions. That’ s why we have eliminated the “free” office consultation. Now, if you want to meet with me, you have to pay $50. You get a “real” credit report with a “real” credit score (a $39 value) – but you have to commit to the process.

If you come to my office – you enter the reality zone. If you are looking for an easier, softer way – than let some other attorney hustle you like a used car salesman (sorry Eddie). Otherwise, come to the doctor and let the healing begin.

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