Butwinick Law Office is here to help you learn about your bankruptcy options and
provide solid legal advice, should you decide to proceed. While each person's
situation is different, we've listed some general information to frequently-asked
questions. For answers specific to your situation, please call or email us to
schedule a free initial consultation.
Q: What are some of the immediate benefits of filing for bankruptcy?
A: Many people in these situations are experiencing payroll garnishments,
collections calls, and letters from legal departments regarding balances due.
Getting your bankruptcy petition filed can stop many of these items, bringing you
immediate relief and the ability to start over.
Q: Will I lose my home or car? How much of my current assets can be protected?
A: State and federal law allow different protection limits in different categories
(home, car, clothes, etc.), plus a wild card exemption. While each situation must be
examined on an individual basis, many of our clients have been able to keep their
home, car, and important personal property. Please click here to learn more about
assets that can be protected and other technical information about filing for
bankruptcy.
Q: What bankruptcy experience does Butwinick Law Office have?
A: Jeff has been practicing bankruptcy since 2002. He has been involved in
hundreds of matters in bankruptcy court. While the beginning of his career was
spent at a large firm, he has been developing his own practice since 2006, which
allows him to be more responsive to his clients, on an individual level.
Jeff has helped people facing financial difficulty with the following issues:
- Wage garnishments
- Bank account garnishments
- Credit card lawsuits
- Foreclosures
- Short sales
- Harassing debt collectors
- Fresh starts
- Rebuilding credit
- Medical bills
- Money judgments
- Divorce
Q: This is embarrassing for me. What should I do?
A: People try to avoid filing for bankruptcy out of a sense of pride. Deciding whether
or not to file for bankruptcy is a very difficult decision, and you don't need to do it alone
– let us help you determine whether bankruptcy is an appropriate option for you. This
is our area of expertise and we are here to help, not judge. Please contact us today
to learn about your options.
Q: I'm working a day job and don't want my coworkers to find out. How much
time will I need to take off from work?
A: Butwinick Law Office's process generally allows for the client to take only a half-
day off from work, which is the one-time court meeting. Our evening and weekend
availability allows you to make inquiries in the privacy of your home, without having to
worry about coworkers or supervisors finding out. We can also schedule phone
meetings at your break time. That way, you will only need to take a few hours off of
work when your court meeting comes up. There are many ways our office can make
the bankruptcy process proceed with minimal disruption to your professional
obligations.
Q: How much will the bankruptcy process cost? Can I set up a payment plan?
A: Butwinick Law Office handles your case on a flat-fee basis, not hourly, with the
fees and entire process explained up-front. That way, you don't need to worry about
incurring an hourly rate fee should additional questions arise. During your free initial
consultation, the rates will be explained clearly, and you will receive a take-home
packet that outlines the bankruptcy process from beginning to end. In general, fees
are as follows:
- Legal fee, varies by complexity of case
- $299 Filing Fee
- $50 each for 2 required courses, per person
While it is not common, additional fees may be required if you have complicated
issues, or if you submit incomplete information and additional work is required after
you have approved your final petition as complete. When this comes up, we will
explain your options.
Q: Can I set up a payment plan?
A: Yes. We understand that you may not have the entire fee at once. However, we
do not start preparing your bankruptcy petition until the fees are paid in full. This is
because the bankruptcy petition must contain very current debt data in order for all
eligible debts to be discharged, and the bankruptcy rules require that full payment is
received before the completed petition is filed with the court. In other words, if you
provide us with debt information in June, but you cannot pay in full until December,
your debts will likely have changed, and the wrong information will be supplied to the
courts.
Therefore, it is to your advantage to make full payment a priority, so your petition can
be filed quickly, the garnishments and harassing creditor calls can be stopped, and
you can get a fresh start much sooner.
To learn more about bankruptcy options, please submit your contact information
to our office, along with a good time to contact you. Evenings and weekends are
okay. Contact us today to take the next step in moving forward.
Disclaimer: The information on this website is for informational purposes only and is subject to
change at any time. It should not be construed as legal advice and should not be used as the
sole factors in making your decisions. We encourage you to contact us for more information. If the
information here differs from current laws and statutes, official laws and statutes prevail.
provide solid legal advice, should you decide to proceed. While each person's
situation is different, we've listed some general information to frequently-asked
questions. For answers specific to your situation, please call or email us to
schedule a free initial consultation.
Q: What are some of the immediate benefits of filing for bankruptcy?
A: Many people in these situations are experiencing payroll garnishments,
collections calls, and letters from legal departments regarding balances due.
Getting your bankruptcy petition filed can stop many of these items, bringing you
immediate relief and the ability to start over.
Q: Will I lose my home or car? How much of my current assets can be protected?
A: State and federal law allow different protection limits in different categories
(home, car, clothes, etc.), plus a wild card exemption. While each situation must be
examined on an individual basis, many of our clients have been able to keep their
home, car, and important personal property. Please click here to learn more about
assets that can be protected and other technical information about filing for
bankruptcy.
Q: What bankruptcy experience does Butwinick Law Office have?
A: Jeff has been practicing bankruptcy since 2002. He has been involved in
hundreds of matters in bankruptcy court. While the beginning of his career was
spent at a large firm, he has been developing his own practice since 2006, which
allows him to be more responsive to his clients, on an individual level.
Jeff has helped people facing financial difficulty with the following issues:
- Wage garnishments
- Bank account garnishments
- Credit card lawsuits
- Foreclosures
- Short sales
- Harassing debt collectors
- Fresh starts
- Rebuilding credit
- Medical bills
- Money judgments
- Divorce
Q: This is embarrassing for me. What should I do?
A: People try to avoid filing for bankruptcy out of a sense of pride. Deciding whether
or not to file for bankruptcy is a very difficult decision, and you don't need to do it alone
– let us help you determine whether bankruptcy is an appropriate option for you. This
is our area of expertise and we are here to help, not judge. Please contact us today
to learn about your options.
Q: I'm working a day job and don't want my coworkers to find out. How much
time will I need to take off from work?
A: Butwinick Law Office's process generally allows for the client to take only a half-
day off from work, which is the one-time court meeting. Our evening and weekend
availability allows you to make inquiries in the privacy of your home, without having to
worry about coworkers or supervisors finding out. We can also schedule phone
meetings at your break time. That way, you will only need to take a few hours off of
work when your court meeting comes up. There are many ways our office can make
the bankruptcy process proceed with minimal disruption to your professional
obligations.
Q: How much will the bankruptcy process cost? Can I set up a payment plan?
A: Butwinick Law Office handles your case on a flat-fee basis, not hourly, with the
fees and entire process explained up-front. That way, you don't need to worry about
incurring an hourly rate fee should additional questions arise. During your free initial
consultation, the rates will be explained clearly, and you will receive a take-home
packet that outlines the bankruptcy process from beginning to end. In general, fees
are as follows:
- Legal fee, varies by complexity of case
- $299 Filing Fee
- $50 each for 2 required courses, per person
While it is not common, additional fees may be required if you have complicated
issues, or if you submit incomplete information and additional work is required after
you have approved your final petition as complete. When this comes up, we will
explain your options.
Q: Can I set up a payment plan?
A: Yes. We understand that you may not have the entire fee at once. However, we
do not start preparing your bankruptcy petition until the fees are paid in full. This is
because the bankruptcy petition must contain very current debt data in order for all
eligible debts to be discharged, and the bankruptcy rules require that full payment is
received before the completed petition is filed with the court. In other words, if you
provide us with debt information in June, but you cannot pay in full until December,
your debts will likely have changed, and the wrong information will be supplied to the
courts.
Therefore, it is to your advantage to make full payment a priority, so your petition can
be filed quickly, the garnishments and harassing creditor calls can be stopped, and
you can get a fresh start much sooner.
To learn more about bankruptcy options, please submit your contact information
to our office, along with a good time to contact you. Evenings and weekends are
okay. Contact us today to take the next step in moving forward.
Disclaimer: The information on this website is for informational purposes only and is subject to
change at any time. It should not be construed as legal advice and should not be used as the
sole factors in making your decisions. We encourage you to contact us for more information. If the
information here differs from current laws and statutes, official laws and statutes prevail.
| Jeffrey Butwinick 2008-2010. All rights reserved. Disclaimer |
| Butwinick Law Office 7800 Metro Parkway, Suite 300 Bloomington, MN 55425 Phone: (651) 210-5055 Fax: (651) 204-6775 jeff@butwinicklaw.com www.butwinicklaw.com |
| Click here to learn more about the technical details of bankruptcy. Click here to schedule a free consultation and receive an informational guide to the bankruptcy process. |
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