San diego bankruptcy law firm – Paul Staley
San Diego bankruptcy law firm – The first step is the call
When you make an appointment with the Law Office of Paul Staley, you’re making an appointment with Paul himself. Not a paralegal or legal assistant with a questionnaire and a clipboard. You’ll be meeting with the only one among San Diego bankruptcy attorneys who “wrote the book” on bankruptcy. Paul’s book “The Bankruptcy Lifeline: What Your Creditors Hope You Don’t Know” is available for download at Amazon.com.
A client considering bankruptcy need not wonder whether his or her case is a good one. Yet seventy percent of all Chapter 13 cases end in failure. Paul has what he refers to as a “zero failure rate.” He backs up his professional analysis with a common sense guarantee. Paul’s outlook is straightforward. The client gets a Discharge. Every client, every case. Or the client gets a refund. You’ll find that outlook goes to a radical extreme. And Paul says “It’s about time.” Paul has been in practice for over twenty-five years now. He’s never had to issue a refund for a failed case. Among San Diego bankruptcy attorneys, Paul Staley is the first to guarantee his clients’ results.
Choosing the Right Chapter Can Make All The Difference.
Paul is convinced that too many cases are filed under the wrong Chapter. That, in turn, results in too many cases failing. About twenty-five percent of all bankruptcy cases filed are filed as Chapter 13s. He has described Chapter 13 proceedings as “the three-to-five-year poverty plan.” That’s because the Chapter 13 trustee becomes a stand-in for the creditors.
He [the trustee] (yes, we still have no female Chapter 13 trustees) becomes the surrogate for creditors. And the Code demands that ALL of the debtor’s disposable income go toward paying the creditors. Oh, and the trustee’s administrative fee of ten percent. These guys don’t work for free. (Yes, they’re both “guys” as of this writing.) In Paul’s practice over the past twenty-one years, he has put fewer than one percent of his clients in Chapter 13s. That’s not to say he thinks no one belongs in Chapter 13.
Among San Diego bankruptcy law firms, Paul conducts the free consultation differently. Differently how?
1 – Different, firstly, because he conducts the free consultation in person rather than delegating it to a non-attorney. He believes he is uniquely qualified to do what’s most important during that meeting – effective legal thinking. And legal thinking requires applying a complex Bankruptcy Code to your unique situation. He respects other San Diego bankruptcy attorneys’ choice to delegate that meeting. Often that’s done by having an “interviewer” conduct the “intake interview.” That means the interviewer is not an attorney but at a minimum (a) speaks English (or the client’s language) and (b) can use a calculator. Paul has a lot of experience doing damage control after plenty of cases initiated in high-volume “mills.” One such typical scenario looks like this. A different attorney crams a case through based on information that an interviewer either missed or misunderstood.
How else is my consultation with Paul different?
Different – secondly – in that Paul devotes a full hour to the initial interview, sometimes longer. Real talk: he’s found that it’s impossible to collect enough information, analyze it and give the client a certain opinion any faster than that. Clients who come to Paul from other San Diego bankruptcy law firms confirm that Paul’s is the San Diego Bankruptcy law firm which does this process best. He’s a believer in the old adage that “You can do it right or you can do it over.”
Paul does a complete Means Test work-up, digs deep into the client’s unique situation. He frequently, talks about “what if?” scenarios with the client. Paul makes sure that by the end of that first meeting, the client knows the best way forward.
Complete legal analysis.
When you make your appointment for your fresh start plan Paul will do a complete legal analysis of your financial situation. He will not cut corners. You will speak to a lawyer who has experience in bankruptcy law, not a paralegal. Expect to spend about (or maybe we should say at least) an hour with Paul. In this meeting, Paul performs a complete means test not just an overview. You can ask questions about different solutions to your problems. This test is the only way to truly determine if you qualify for bankruptcy. A fair and reasonable price for this much time and expertise is about $300-$400. But Paul provides this comprehensive analysis at no charge. Why? Because it is truly the only way he can give you the real facts about your financial situation.
Paul guarantees that when you come and speak to him about your financial situation, he provides receive complete confidentiality. What you say to him stays with him. There is no reason to be embarrassed or worried about any of your information ever leaving our San Diego bankruptcy law firm. If you do decide to go forward with filing bankruptcy (then financial information will become public record). More on just how “public” public really is we discuss elsewhere.
It’s time to call. Lower your blood pressure, ease your stress. Get some peace of mind. Stop wondering if picking up the phone means admitting failure. It doesn’t. You’ve done all you can on your own. It’s time to let someone with bigger shoulders than you help take that burden. Should you file bankruptcy or hold out? When you meet with Paul, you get clear, certain and thoughtful answers. Then you can make an informed decision about what to do next. Paul’s direct line is 619-235-4095. Call today to speak to Paul about meeting with him to discuss one of the most important next steps in your life.