ABOUT
James O’Mara
Review and Consultation
We will start the process with a thorough review of your case and advise you on the pros and cons of filing bankruptcy. Filing for bankruptcy may sound simple and common, but it can be very complex. Most people who file for bankruptcy will file Chapter 7. In some Chapter 7 cases, the court-appointed trustee can liquidate some of your assets and use the funds to pay back your creditors. For example, if you own a car with no lien on it and the car has a Kelley Blue Book value of $10,000 and we use the Massachusetts automobile exemption of $7,500, $2,500 may be exposed in bankruptcy. In this case, the trustee can sell your car and use up to $2,500 from the sale proceeds to pay some or all your creditors. We will do a comprehensive review of your case to ensure that, your debts are dischargeable and, if possible, all of your assets are protected by allowed exemptions under the United States Bankruptcy Code.
Proper Filing and Notification of Creditors
When you hire our firm, we will make sure your bankruptcy petition and all of your supporting documentation are properly filed with the Bankruptcy Court and you receive the maximum benefits and protection offered by the United States Bankruptcy Code. Failure to file your bankruptcy petition properly can result in your case being dismissed or, in some cases, the loss of a significant asset like the equity in your home.
We will also confirm that all your creditors are notified of your bankruptcy filing. Once your creditors are notified, they are compelled by law to stop their collection calls immediately.
Support During The Process
Most Chapter 7 cases take about 4 months from the date of filing to complete. Once your bankruptcy is filed, the Court will schedule a meeting of the creditors about a month after the date of filing. The meeting will be conducted by the court-appointed trustee and provides the trustee and your creditors an opportunity to question you about your bankruptcy petition. Your bankruptcy attorney will represent you at the meeting and will also fully prepare you for said meeting. After the hearing, your creditors may file motions for various reasons and your attorney will answer all motions and represent you at the motion hearings. Please note that, in most cases, the Law Office of James O’Mara charges clients a flat fee for representation during the bankruptcy process. Consequently, in most cases, after your initial payment is made, you will not be charged any additional fees for legal representation throughout the process.
In contrast, Chapter 13 bankruptcy cases take 3-5 years to complete and involve significantly more legal work and court time. However, like Chapter 7 bankruptcy cases, my office typically charges a flat fee for representation and does not charge any additional legal fees after your initial payment is made.
Filing a bankruptcy is a very stressful endeavor. The stakes are high and even a minor mistake can prove to be very costly. If you’re considering filing a bankruptcy, it’s best to consult with an experienced bankruptcy attorney.
We are a small firm that caters to our client’s needs. Your phone calls will always be returned by an experienced attorney in a timely manner.
We offer low flat rate fees and your first consultation is always free. Most of your initial concerns can be addressed in a quick phone call. So, don’t hesitate to contact Attorney O’Mara for your free consultation.
Additional Areas of Practice:
- Real Estate (Purchases and Sales)
- Evictions
- Personal Injury
