If you are considering hiring an attorney, then the answer is almost always yes. In addition to the likelihood of a better result, an attorney will calm your fears by guiding you through the legal process and let you know what may happen to you during the legal process.
How much does it cost to hire an attorney?
That depends on the type and complexity of your case. Most personal injury matters are done on a contingency fee which means fees will be based upon whether you recover any money and how much you recover. In other matters we commonly give fixed fees with payment plans. In all cases we offer free consultations.
Why hire the law office of Michael J. McVay, P.A.?
We offer individual attention and when you call you speak with someone who is familiar with your case. Also, Michael McVay has over 18 years experience and has handled thousands of cases.
In what courts and geographic areas do you practice?
Michel J. McVay is licensed in both Kansas and Missouri State and Federal courts. We practice throughout the entire Kansas City metropolitan and outlying areas including: Wyandotte County, Jackson County, Johnson County, Platte County, Clay County, Leavenworth County and Cass County.
How much does it cost to file a bankruptcy?
We offer affordable rates and payment plans. In many cases you do not have to pay your entire fee before your case is filed. That means garnishments and creditor actions can be stopped quickly. The exact fee you will be charged depends on the complexity of your case and what type of bankruptcy you choose to file. A firm quote is usually given after the free consultation once the facts of your case become known to us.
How long does a bankruptcy take?
You can expect a discharge in most Chapter 7 bankruptcy cases a little over 90 days after they are filed. Creditors will be barred from action to collect debts once you file.
Do I have to “include” my house or car loan?
All creditors must be listed when you file bankruptcy. This includes debts you have to or want to repay. House and car payments are commonly repaid despite the fact they are listed on your bankruptcy schedules.
How does bankruptcy affect my credit?
Bankruptcy will be on your credit report for ten years. Bankruptcy will dramatically lower a credit score if you have good credit. If your credit is already poor, the damage will not be as great. Your credit will rebuild itself over time with your score improving each month after your bankruptcy case, assuming there are no new credit problems.
How long after a Chapter 7 before I am able to get a car loan?
You will be able to apply for a car loan immediately after the end of your case. The longer you wait, the more your credit score will improve which will allow you to get a loan with better terms.
How long after a Chapter 7 will I be able to buy a house?
You will likely have to wait two years or longer before you can apply for a home loan.
What paperwork do I need to file?
We usually ask people to bring paycheck stubs, last two years tax returns and bills that you have to your first appointment. A list of the entire paperwork that is often needed in a bankruptcy case is found here.
Does my spouse have to file?
No. A married person can file individually.
DISCLAIMER: All material included in this website is for informational purposes only and may not reflect the most current legal developments or laws applicable to your case. Nothing provided in this website should be considered to be legal advice or a legal opinion. This web site or use of email is not intended to create an attorney-client relationship. The receipt of material from the web site or from Email transmission does not constitute an attorney-client relationship and under no circumstances should you construe any interaction with this website as creating an attorney-client relationship. *The choice of a lawyer is an important decision and should not be based solely on advertisements. *We are a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code.