The Zero Down Bankruptcy: Why I Do It and Nobody Else Does

“I’m too broke to file for bankruptcy.”

You never want to get to this point, but I see so many people who need to file for personal bankruptcy who say this. They’re hopeless and resigned to a freight train of foreclosures, evictions, judgments, garnishments, bad credit problems, and endless harassment by collections agencies. Some try to handle it themselves, either by doing their own filing or using a bankruptcy preparer, but in doing this they often make mistakes or get bad advice that leads to the dismissal of the filing. Even a “simple” Chapter 7 is a complex legal procedure that takes place in the federal courts, and you need help.

“I need to file for bankruptcy, but I can’t afford a lawyer.”

We’re coming up on the holiday season, and this is about the time of year that a lot of people reach the end of their rope. They’re realizing that with the maxed out credit cards, late payments piling up, collection actions, and hiding the car from the repo guys that it’s time. There’s no holiday cheer; just more anxiety and depression about their finances. Then they realize that even if they meet the conditions to have their Chapter 7 filing fee waived, there are other fees that still have to be covered in cash, check, or money order. Attorney’s fees add another layer of expense but are indispensable for a successful filing. Too many people get too deeply mired in debt, and then find that they don’t have the expertise to handle their bankruptcy and can’t afford an experienced bankruptcy lawyer to help them since attorneys generally want to be paid at the desk.

This is why I started to offer something called a Zero Down Bankruptcy to my clients. I got into this profession because I wanted to help people, and this helps my clients to have a successful bankruptcy, pay their fees on a set schedule, and to get relief from the debts that are grinding them down. People who need to file for bankruptcy are not deadbeats. They are all too often good people who got into a bad situation, and I believe in them enough to offer this service. I believe in you enough to offer this service.

The New Year is coming up, and I’d like you to think about 2017 as the year you can finally make a resolution to do something about your financial situation before you sink in any further. It’s time to take control, look at your debts, and get ready to let them go. You’ll not only get breathing room, but a fresh start for 2017, and a way forward instead of going around and around in a circle of debt. Get your documents together and call either the Fort Lauderdale or Palm Beach office and set up a free consultation today, and we’ll get started on a brand new year with you free and clear.

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Published by
Chad Van Horn

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