Consult With an Attorney
If you are thinking bankruptcy may be right for you, talk to an attorney. They will be able to tell you if it is a good option for you and answer any questions that you may have.
A Message From Attorney Neher About Consultations
I provide in-depth consultations by telephone, or in person should you so choose, to people who are considering filing for bankruptcy.
The consultations are by appointment. I will call or meet with you at the appointed time. A consultation generally takes half an hour to an hour and a half, depending on the complexity of your situation.
After the consultation, if you decide not to file for bankruptcy, the consultation is free. You need not hire me as your bankruptcy attorney, nor must I accept you as a client. You have no further obligation to me, nor I to you.
However, if you retain me to represent you in a bankruptcy proceeding, the consultation is not free. The retainer I require and my overall fee for the bankruptcy include funds to pay for the consultation.
So that you can take full advantage of your consultation, and so I can provide useful information and advice, please have some information in front of you for our appointment.
If you own your home, please have the most recent real estate tax bill. Additionally, be prepared to tell me:
- the approximate value of your home
- the name of your mortgage company (or companies, if you have more than one mortgage)
- whether your mortgage is a mortgage for years or a balloon mortgage
- whether your interest rate is fixed or variable
- how much you owe on your mortgage (the payoff amount)
- the amount of your mortgage payment
- whether real estate taxes and insurance premiums are included in your mortgage payment
- who has paid the real estate taxes the last three years, you or the mortgage company
- if you are behind on your mortgage, whether the mortgage company has begun foreclosure
- if you are behind, when you last made a mortgage payment
- if you are behind, how far behind
- if you are behind, whether the arrearage includes real estate taxes and attorney fees
If you own any motor vehicles (cars, trucks, motorcycles, boats, ATVs, and snow mobiles), be prepared to tell me their values. To find the values, go to the consumer section of www.nada.com and look up the average retail value. Additionally, if you are making payments, I will want to know your payment amount and how much you owe on each vehicle.
You will need to tell me your gross income from all sources during the six complete months before the consultation. Sources of income include child support, alimony, unemployment compensation, worker's compensation, disability payments (including SSDI), pension income, cashed-in retirement accounts, gambling winnings, and social security.
If you owe taxes to the IRS or Wisconsin Department of Revenue, I will want to know how much you owe and whether tax liens have been filed. If you owe business taxes, be prepared to tell me what kinds you owe (sales, 941, etc.).
If you have paid any debts to relatives during the twelve months before the consultation, please tell me whom you paid, and how much.