Bankruptcy is a complex area of law that the majority of individuals are not well versed in. You don’t need to be a bankruptcy attorney in Kansas City to know the basics. We’ve provided you with an overview of filing for bankruptcy below to help answer your Frequently Asked Questions. Contact us today for a consultation with an attorney to professionally assess your situation.
If necessary, we can have your case filed within 48 hours or even immediately if we have all the required documentation. However, usually when our clients come in for their first appointment we do an initial consultation to discuss their specific situation, give them our recommendations and educate them on the bankruptcy process. You should not feel any obligation to file simply by coming in for an initial consultation, and our initial consultations are always free of charge. However, some clients know for certain that they are ready to file and want to get started right away.
No documents are necessary for the initial free consultation. You will be sitting down with what some have called the best bankruptcy attorney Kansas City has to offer in an informal conversation about general things such as an overview of your assets, income and debts. If you have any documents you would like our attorney to review you may bring them with you. For the majority of initial consultations a general overview of the above will be sufficient for the attorney to give you good sound legal advise and a game plan on how to proceed.
For either a Chapter 7 or 13 bankruptcy our retainer fee is $300. In order to file the bankruptcy petition with the court, which officially starts your case and will stop the foreclosure and the sale of your house, garnishments and calls from creditors, we ask for an additional $200 toward attorneys fees and the court filing fee (paid to the court upon filing) of $335 for a Chapter 7 case or $310 for a Chapter 13 case. At Kentner Wyatt, LLC we offer individualized payment plans for each client depending on their unique needs and situation. We will discuss payment options for the remaining bankruptcy attorney fees at your free consultation.
Your court appearance, called the “Meeting of Creditors” (even though it is very rare for any creditor to attend) takes place approximately 30 days after your documents are filed. Our bankruptcy attorneys will be with you at that meeting to represent you.
If you file a Chapter 7 case, you do not make payments on your unsecured debts (credit cards, medical bills, signature loans, etc.). However, if you have car loans or home loans and want to keep your car or home, you simply continue to make your payments directly to those creditors. In Chapter 13 cases, you make payments to the Chapter 13 Trustee, who then distributes those payments to your creditors according to your directions in a document we prepare for you called a “Chapter 13 Plan”.
The minimum time period for a pay plan is 36 months but most of our clients prefer a 60 month pay plan.
If a creditor contacts you, simply inform them that you have retained Kentner Wyatt to file bankruptcy and provide them with our contact information. Most creditors will then call our firm to verify that we have been retained by you to file bankruptcy. While most creditors will stop calling you after they have verified that you have in fact retained a bankruptcy attorney, they are not legally obligated to stop contacting you until your bankruptcy petition has been filed.
Generally, your attorney can be contacted during business hours, 5 days-a-week by email or by phone. While our attorneys strive to provide the best possible service, it is generally easier for your attorney to respond by email as, at the time of your call, your attorney could be in court, with another client, etc. Kentner Wyatt, LLC is here to answer all your questions that you have in the bankruptcy process and strives to answer those questions as quickly as possible.
Send us a quick email with your questions. We’ll get back to you as quickly as possible with a no pressure, not hassle consultation. Our goal is to help you succeed.