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Why You Don’t Want A Bankruptcy Attorney To Fight For You

By Cathy Moran

good bankruptcy lawyer

Everyone wants a good bankruptcy lawyer when they’re considering filing bankruptcy.

So, how do you measure a good bankruptcy lawyer?

We Fight For You! screamed the on-line headline for a bankruptcy law firm. That firm clearly thought willingness to fight was the measure.

While I applaud the firm’s energy and commitment, I question their focus.

Filing for bankruptcy shouldn’t result in a fight.

It’s a remedy, not a rumble.

If you’ve struggled with yourself about with the decision to file bankruptcy, actually doing it may seem mundane by comparison. No fights necessary.

So, I thought about what was wrong with the “bankruptcy as a fight” analogy.

Turns out, it was simple.

My motto:  We Analyze So There Won’t Be A Fight.

Kinda nerdy, isn’t it.  It lacks drama, and doesn’t suggest any vivid photos.

But it represents much better client service.

What a good bankruptcy lawyer does for you

A  good bankruptcy lawyer gathers more facts about you, your debts, your assets, your prospects, your marriage, your income and your dependents than you can imagine.

Having determined what brings you to consider bankruptcy, the lawyer assesses three big things:

  1. Which chapter of bankruptcy furthers your goals
  2. Is there anything that creditors or trustees could challenge to keep you from your goal
  3. What things could make it easier to reach that goal.

Your lawyer should be looking for those issues which might provoke a fight, and figuring out how to keep you out of a tussle with any party in the bankruptcy system.

Tools for avoiding conflicts include better information, choice of timing and refining your goals.

A good bankruptcy attorney uses each tool to avoid the fight.

What fights arise in bankruptcy

The most common disputes in bankruptcy cases, Chapter 7’s and Chapter 13’s, revolve around

  • Values of assets
  • Means test income and deductions
  • Transfers of assets made before filing

Careful collection of information and analysis of that information will tell a good bankruptcy lawyer where disputes might arise.

You and your lawyer need to discuss any points of possible conflict and find the best way around them.

Bankruptcy fights I love

The only kind of fight in bankruptcy that I relish is the fight that a creditor picks with my client.  The fight usually arises when the creditor does something the law doesn’t allow.  Often it involves failing to honor the automatic stay.

The stay requires each and every creditor to stop collection action against the person who has filed bankruptcy and against the person’s property.  In Chapter 13, it also protects guarantors and co signors on consumer debts.

Some creditors are too pig headed, ill organized, or simply spiteful to honor the stay.  I love a fight to get creditors to do what the law provides.  My clients are entitled to the peace the law contemplates.

Most bankruptcies are a snooze not a fight

A well thought out bankruptcy case is generally without conflict or dispute.

Carefully prepared schedules tell the whole story.  The trustee reads them, sees no issues, and moves on.

And that’s how it ought to be.  It’s not Fight Night.  It’s more like yoga.  You work hard, but you leave without bruises.

A bankruptcy lawyer friend says her motto is “Do it right, and avoid the fight”.  Suits me to a T.

Read more

How to find a good bankruptcy lawyer

What you have to do to file a bankruptcy case

What happens at the bankruptcy hearing

Image courtesy of Kate.Gardiner.

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Filed Under: Featured, You & your lawyer

About Cathy Moran

I'm a veteran bankruptcy lawyer and consumer advocate in California's Silicon Valley. I write, teach, and speak in the hopes of expanding understanding of how bankruptcy can make life better in a family's future.

Bankruptcy Basics

About The Soapbox

You’ve arrived at the Bankruptcy Soapbox, a resource of bankruptcy information and consumer law.

Soapbox is a companion site to Bankruptcy in Brief, where I try to be largely explanatory and even handed (Note I said “try”).

Here, I allow myself to tell stories and express strong opinions. We dig deeper into how to consider bankruptcy and navigate a bankruptcy case.

Moran Law Group
Bankruptcy specialists for individuals and small businesses in the San Francisco Bay Area

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