Hello, this is bankruptcy attorney Jeff Kelly Today is August 3, 2020. And today I’m going to be talking about how you can currently file bankruptcy without ever leaving your home.
One of the few good things that has come out as a result of the covid-19 pandemic is that you can now file bankruptcy without ever leaving your house. You can even attend your court hearing via telephone now from the comfort and safety of your home. Before COVID-19 hit, you had to physically appear in one of our offices, and a bankruptcy attorney had to see you physically sign the documents. And for many people who have to juggle busy work schedules and family schedules, it was difficult at times to physically get into the office. Traffic delays used to wreak havoc on some of our sign appointments. Now because of the shelter in place concerns, the bankruptcy court allows us to file your case without you ever having to come to one of our offices.
Here’s how the process works.
Step one, we conduct your free initial consultation with you by phone. During this conference, we want to review all of your debts, lawsuits, assets, income and expenses with you. Our goal is to get a feel for your entire situation. At the end of this free consultation, we will clearly explain to you why chapter 13 or chapter 7 bankruptcy is or is not a good option for you. Unlike many other bankruptcy law firms, you will be able to talk directly to an experienced bankruptcy attorney who will closely analyze the specific facts of your case. In addition, we will answer all of your questions. If you decide to move forward with either chapter 13 or chapter 7 bankruptcy. We will need you to give us your social security number and your birthdate so that we can pull your credit card for processing your bankruptcy petition. If you have received any lawsuits or other bills that you’d like for us to include in your case, you can take a picture of the documents and email them to us. If you have access to a scanner, that’s even better, it might be a lot easier for you to send them to us that way.
Step two, the sign appointment during this appointment, which will take about two hours on average, we will do a screen share with you so that you can go through each page of the bankruptcy petition to make sure it’s absolutely perfect. We currently use zoom to make this happen. We will also when we’re finished use a program called DocuSign so that you can electronically sign the court required signature pages. We can file your chapter 13 or chapter 7 bankruptcy case shortly after your sign appointment, so your court protection will begin immediately. We will mail you a hard copy of the bankruptcy petition after your case is filed, then we will need you to sign it with a pin and mail the documents back to us.
Until October 2020, all bankruptcy court hearings will be conducted virtually over the telephone. And this is great news because this means you can currently attend your court hearing without leaving your house without having to risk any COVID-19 have been around crowds of people. You know, before COVID-19, you would have to appear physically in court for 341 meetings. You’d have to stand in line, sometimes a long line and then you’d have to get scanned by the security officers and then you would have to in the past, go sit in a crowded room where they do Roll Call and then they call the names of everyone, per hour for the hearing. Thank goodness, you don’t have to do that right now. And I, I think this is really great. And personally, I’m hoping that all the changes that have been made to our bankruptcy system as a consequence of COVID-19 will become permanent.
So if you are considering chapter 13 or chapter 7, please give us a call at 770-881-8449. If you get a chance, go on Google and check our reviews. We’ve got really, really good reviews, and we got a lot of them because I’ve got the best staff on planet Earth. I’ve written a book on chapter 13 and chapter 7, you can go to my main website, www.kellycanhelp.com and you can download a free copy of it or you can call us at 770-881-8449 We’ll send you a hardcopy while supplies last. I look forward to talking with you soon. Thank you
Welcome to the first radio show with Jeff Kelly featuring guest Patrick Matson. Today we debunk the fears surrounding bankruptcy and ensuring that your bankruptcy experience is one that goes smoothly. ...
Transcript: Hello, this is Jeff Kelly. And in this podcast, I would like to address a lot of fears that people have about losing their home during this Coronavirus pandemic. Let me just say this, I don’t believe there’s going to be a flood of foreclosures that are going to be caused by this. and I would like to explain why. Number one, the mortgage industry is not super interested in killing the United States real estate market, which is what would happen if every single person who missed a payment in April got foreclosed on. So from talking to clients and from talking to other bankruptcy attorneys, it’s my understanding, then in most cases, the mortgage companies are willing to defer up to about four months of payments. Now the problem and challenges at the end of those four months, they want their money back they want all those payments made. So I’m guessing that when we get to that point, after the pandemic is hopefully over or subsided, or maybe the quarantine will be modified to get most people back to work. I believe that the mortgage industry is going to be doing a lot of loan modifications. Again, they there don’t want to kill the entire United States real estate industry, which they would do if they foreclosed on everyone. So I think there’s going to be a lot of loan modifications. But for those people who can’t get a loan ...