My name is MARY BETH GARDNER and I am a bankruptcy attorney. My basic Chapter 7 fees are as follows: $900.00 individual's Chapter 7; $1000.00 spouses' Chapter 7. My fee does not include the court's filing fee. If the circumstances demand it, I do take payments -- just like stated on television by other bankruptcy attorneys, "we can get started with a $100.00 down payment." If you pay all up front and all at once, I'll give you a $100.00 discount. I'm also willing to negotiate if there are special circumstances.
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With me, there are no hidden or surprise charges for "packets", "appearance attorneys" and the like. I am the attorney, the secretary and the paralegal. You'll work directly with me from start to finish, and I am accessible and available 24/7.
The cost is everyone's biggest concern, and rightfully so. In addition to my fee, there is a filing fee for the Court, which for a Chapter 7 is $335 (not $306 as some "qualified" paralegals advertise), and it can be paid over a period of four months after your petition is filed. In some extreme cases, the filing fee can be waived by the Court. There is also a debtor education course (you take before you file) and a financial management course (you take after you file), which are $10.00 each.
Although my general rule is that I be paid in full prior to filing your petition, if you are making regular payments and we need to file your petition to stop a garnishment, levy, foreclosure or repossession, even though you haven't yet paid me my fee in full, I will file your petition - I won't allow you to be harmed once we've entered into an arrangement.
I have been an attorney for many years and I am very good at what I do; I am am easy to talk to; I return calls promptly; I work quickly; I pay close attention to my clients' needs and circumstances; I don't use paralegals or assistants; and, I will take very good care of you. If you would like references from prior or current clients, I can certainly provide them.
In contrast to other ads on here, I do not work through or with paralegals (I apologize for the redundancy, but it is important). I am more than just "an attorney available to help you through the entire process." I AM THE ATTORNEY and I take you through the entire process. All consultations are free - and your consultation is with me, an attorney, not a paralegal or assistant. You call - you talk to me. We meet - you meet with me. You have questions, I answer them. Your petition is prepared - I prepare your petition. You review and sign your papers - you do that with me, page by page. Our initial meeting won't be the last time you see me. And, we won't meet for the first time at the Meeting of Creditors; we will appear together.
I also do Chapter 13 cases, and they are more expensive because you're getting an attorney for 3 to 5 years. The going rate for a Chapter 13 case is $4,000.00, but you only pay $1,000.00 up-front, to me directly. The remainder is paid to me by the Chapter 13 Trustee if and when we can arrive at an agreed-upon payment plan for your debts. In a Chapter 13, you repay all or part of your debts over 3 to 5 years based upon your ability to do so and the type of debt. If we can't reach that agreed-upon payment plan, I will be paid no more than the initial $1,000.00. The initial payment for my attorney fee is negotiable, and I will take a lesser amount down - and/or in payments - for special circumstances.
Bankruptcy absolutely may be the answer to your financial problems. Garnishments can be stopped. Vehicle repossessions and foreclosures can be postponed and, in some instances, stopped - there's even the opportunity to seek mortgage modification in Chapter 13 and to work out the arrears on your car if you want to keep it. Older income taxes can be made to go away. Lawsuits are stopped. Best of all, NO MORE ANNOYING & HARASSING PHONE CALLS! Another big plus is that your income tax refund can be entirely protected.
A few questions I'm often asked are as follows:
CAN I FILE SINGLY AND WITHOUT MY SPOUSE? The answer is yes. however, if you are legally married and living together, your spouse's income must included (because we are a community property state). However, if you are legally separated or physically separated (i.e., living apart), your spouse's income need not be included. Also, you may still file jointly if you are legally or physically separated, but still married.
IS THERE A MINIMUM AMOUNT I MUST OWE BEFORE I CAN FILE? No. Whether you owe a little or a lot, it can have an adverse impact on your life and bankruptcy can provide relief.
CAN A BANKRUPTCY STOP A LAWSUIT, GARNISHMENT, REPOSSESSION OR FORECLOSURE? Yes, and judgments against you can be discharged.
Call or text today for a free consultation with me, attorney Mary Beth Gardner, 620 East Plumb Lane, Reno, Nevada. Please, for your own good, do not rely on paralegals or petition preparers, and don't take it on yourself - things can go very wrong without the assistance of counsel and it will cost you far more than you think you'll save. My attorney fees are low and negotiable. Payments are accepted. After-work, evening, weekend & holiday consultations are available with appointment. If you are unable or unwilling to come to my office, or if you have just a few questions to ask, I'm happy to do a telephone consultation - or even a text consultation.
TELEPHONE: (775) 329-7979
FAX: (775) 201-0343
TEXT: (775) 378-6289