It’s been a good run. Since the Great Recession, the economy has hit record levels of unemployment and most Americans find themselves better off than they were at any time in the past dozen years or so.
That was last week. This week, we’re facing an unprecedented pandemic, the stock market is doing things it hasn’t done in more than a hundred years (bad things) and hundreds of thousands of people have already filed for unemployment benefits in the first two weeks of the nationwide shutdown.
The short-term outlook is bleak, but we will make it through to the other side – as we did in the Great Recession, and as we did in every prior recession and depression, every natural disaster, and every other major disruption to daily life. For many, the path forward will include dealing with the obstacles of debt and ruined credit. If you’re considering bankruptcy, we hope you’ll give us a call and we’ll talk through the process, your options and alternatives, and what you can expect moving forward.
Every bankruptcy starts with the paperwork: the bills, credit reports, pay stubs, and property titles. We inventory assets, debts, and discuss your options and whether bankruptcy actually is the best route forward.
Many people who think Bankruptcy is their best option aren't aware of alternatives, such as negotiating the debt down, or they start the process and discover that they aren't eligible to file. We always counsel you on your options and alternatives, as well as the risks and repercussions of filing.
Every bankruptcy petitioner is required to undergo a credit counseling class. These are short - an hour or two - and cheap - typically under $20, or even free if you qualify for a fee waiver.
A financial power of attorney gives someone you trust the ability to manage your financial and business matters if you become incapacitated. This power is typically springing, meaning it does not take effect until you have been ruled incapacitated by a physician.
By the time we file, we'll have gathered and prepared a mountain of petitions, forms, and supporting documents and records. This comprehensive paperwork must be done with care - omitted debts or intentional misstatements can doom your filing or leave creditors free to chase you after your petition is granted.
By the time we're done, you can expect to emerge from the other side of this case with a clean balance sheet and an opportunity to build a new financial future.
Though many firms are jumping on remote work and conferencing platforms, such as Zoom, we've been delivering services online and via the phone for years - we're happy to meet you in person in NYC, but expect better, faster, and more convenient communication with our online-first model. (And no subway commutes or waiting in our office waiting room!)
No more waiting in traffic to get to an attorney's office where you'll ... wait some more. Instead, connect to your lawyer from wherever you are comfortable.
We can't promise zero surprises - law can be unpredictable. But we go the extra mile with communication to discuss common outcomes, steps in the process, and what might go wrong (or right) to minimize surprises.
Check any review site: Yelp, Avvo, Google, or Bing, and you'll see that our past clients love us. We do our best to turn scary legal ordeals into predictable steps in a process - and we're always available to answer your questions via text or email. (Phone too, during normal working hours.)
Whenever possible, and for nearly all cases, flat fees apply. This means no surprises and no motivation to drag out your case for as long as possible.
We pride ourselves on speed: calls, texts, and emails returned promptly and work done without undue delays.
New York & New Jersey 13 E 6th Rd Broad Channel, NY 11693 929-437-3767
California 149 Grand Ave Monrovia, CA 91016
235 E Broadway #1140 Long Beach, CA 90802
Missouri – Kansas – Iowa – North Dakota 404 W Matthew Ct St Ozark, MO 65721
Our attorney works out of the NYC office – service is available in seven states via phone, videoconference, and online delivery.
Copyright © 2020 – Law Office of William C. Peacock, d/b/a Peacock QDROs and Estate Planning – 929-437-3767
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