Your Journey –

How we help you get your life back, including good credit.

Once you decide to fix your finances with our office, what happens?

What can you expect?

How long will it take?

What are the steps to your full financial recovery?

Once you give us the green light, we get right to work for you.

Pull Credit Reports and provide to you

First, we’ll pull your credit reports and give them to you.  This will save you a lot of time putting all your debt information together, and lets you know what’s out there.

Send Letters of Representation

Then, we’ll send out letters of representation to all your creditors and any bill collectors you may have, telling them not to contact you anymore.

We’ll send you the list of creditors we contact, so you can let us now if any of them do contact you.  And if they do, we’ll take the appropriate steps to make them leave you alone.

Schedule introduction and Onboarding Call

To get you started in a way that makes you comfortable with how our office works, we’ll begin by setting up the “onboarding call.”

The purpose of this call is to introduce you to your personal paralegal.  You’ll have one specific paralegal who’ll be assigned to help you fill out your worksheets, get your documents and answer questions along the way.  Of course, all of our attorneys are available to help with any legal questions you may have.

Create minimum list of documents you need to provide

One of the purposes of this call is to narrow down the list of documents that apply to your case.  There are dozens of possible documents that might be needed, but for most folks, we have found that we can get a lot of this information for you, so we narrow down the absolute minimum documents you need to provide, to make it as easy for you as possible.

 

Create your personal communication channel in our computer system – Your HelpDesk Account (We even have an app for your phone!)

 

Next, we’ll set you up in our office computer systems to provide you with an easy way to get answers to your questions and allow you to send documents to us in an easy and convenient way using email and your smart phone.

Our helpdesk system is like putting our law firm in your phone.  If you’ve got a question, all you need to do is send an email, or install our helpdesk app on your phone if you like, but that’s optional, you can just use email if you want to, and your question is immediately routed to your personal paralegal.

Introduce you to free tools to send us documents (with How-To Videos)

And, you don’t need a copier or fax machine to send us copies, we’ll show you the free apps you can use to just snap photos of anything you want to send us – it’s that easy.

We’ve even created helpful video instructions to show you how to install these free apps on your phone, although most folks don’t need help, it that easy.   To see an example, you can go here https://youtu.be/s4J6s2FesQE

Provide custom worksheets, paper or digital, your choice

Once you are setup on our office system, we’ll send you the worksheets we use to collect all the information required by federal law to properly prepare your petition.  Since I’m a board certified consumer bankruptcy specialist, I have created my own customized worksheets, written in plain English, not legalese, for you to fill out.

You have your choice of a paper or digital forms.  The information is the same but I know that some of us like to write on paper, and some prefer the forms to be filled out on our computer, so you’ll choose whichever is easier for you.

We have instructional videos for our worksheets and documents, too

And, if you have any questions about the forms, I created a great video that walks you through every single page of the packet.  It’s like having me sit next to you and explain every line on every page.

That is exactly what I did when I created the video.  And, you don’t need to watch the entire video either.  Most of the time you’ll just have one or two questions, so I included a navigation list to take you right to the information you need.  This makes it quick and easy to get answers to any questions you have.

In order to properly prepare a bankruptcy petition, in addition to the information we collect in the custom worksheets, there are documents we need as well.  Sometimes it’s helpful to have some additional information or explanation about these documents so I created a video to help you with them.

You will notify us of any creditor contact – we will respond

As you move forward with our process, you’ll want to let us know right away if any creditors contact you by phone, text or letter, so we can respond to them for you.

Other attorneys may claim that there’s nothing that can be done until your case is filed.  That’s not true.  Even before your case is filed we will have sent letters of representation to creditors you select, so they should be calling us, not you, for any information they might need.

Continue to work with us online and by email and phone

Our entire process is designed to be done over the phone, through video chat and email, so you won’t need to have personal contact with anyone from our office.

Even the trustees meetings are being done by telephone until the Covid health crisis is over.

We use dozens of checklists as we prepare your case

As we prepare your petition,  we use dozens of checklists to ensure we get it right and don’t miss anything.  We have the most thorough and detailed case preparation process of any office I have ever seen.

We will complete three (or more) separate reviews of your petition

Your case will go through at least three separate complete reviews.  First, by our legal assistants, then, by your paralegal, and finally by an attorney who will check and double check everything to make sure it will be accepted by the court without any problems.

You will review the finished draft and advise if any edits are needed

Once we have finished the draft petition, we will send it to you to review and approve.

To help with your review, you’ll refer to our detailed video guide

Your bankruptcy petition is a long legal document, about 50 – 60 pages long.  It’s not an easy read. So, I have created a video to walk you through the entire petition, showing you just what you need to focus on, so you don’t have to spend hours looking through legal boilerplate that really doesn’t apply to you.

Of course, if you have any questions, we are here to answer any and all questions you may have.  And you probably will . . . if you don’t we worry about you!

After review you’ll meet on the phone with an attorney for final check

Once you have reviewed your petition and we’ve made any edits that may be needed, we’ll schedule an appointment for you to sign your petition and review your case with an attorney before filing.  We always meet with you before your case is filed, so that we can fill you in on what comes next, and explain what will happen at your trustee meeting.

We will “Over-Prepare” you for the trustee meeting

We have videos for all of this as well, so you’ll always know exactly what comes next.  We even give you a list of all the questions that the trustees normally ask at these meetings…. Our clients are over-prepared for these meeting.  The most frequent comment I get afterwards is “Was that it? That was easy!”

After Filing, discharge, or make payments in Chapter 13 cases, then discharge

The next step in the process depends on if you are filing a chapter 7 or 13.

If you file a chapter 7, your discharge will be issued in about 10 weeks or so.
If you’re in a chapter 13, then you’ll begin making payments to the trustee.  Your discharge will be issued after you complete your payment plan.

The credit recovery course begins after discharge in our chapter 7 cases, and for our chapter 13 clients, we work with you to rebuild your credit while you are in your chapter 13 case!

You’ll be a part of Rick’s credit recovery course

In both cases, I’ll enroll you in my credit recovery program, to guide you through the steps you need to take in order to begin the process of rapidly rebuilding your credit.

Good credit, scores of 650 – 700, are achieved by almost all of my course graduates within one year of their discharge in chapter 7, or even before their discharge in chapter 13.

We will review your credit reports for you after discharge

When you file a chapter 7, or after you have completed a chapter 13, discharge is when other attorneys close your case. They’re done.  Case closed.  Good bye.

Not us.

There’s more work to do if you are going to achieve the full recovery you need.

We don’t trust creditors to follow the law and properly report your discharged debt on your credit report.

All too frequently, they don’t.  And we know it.

When they don’t report your discharged debt properly, your credit score will stay low.  Not good.  We need to make sure this doesn’t happen to you.

We will order your credit reports for you

At the beginning of the case you will authorize us to request your credit reports for you.  We wait until your discharge is issued, then we will send requests for your credit reports from Experian, Equifax and Transunion.  You don’t need to remember to do this, we’ve got your back.

You will mail the reports to us for review

When we order your credit reports, the credit bureaus will mail the reports to you.  When you get them, you’ll send them along to us in the pre-addressed, postage paid envelope we’ll provide for you.  Once we get them, we’ll review each one of them for you.

We will review the reports for errors and violations

We know what to look for, and if we spot anything that is incorrect and affects your score, we’ll dispute it for you.  We have years of experience reviewing credit reports, and we know the difference between an error that hurts your score, and violates the Fair Credit Reporting Act, and one that does not.  Sometimes it’s hard to tell.

If needed, we will prepare the dispute for you

All of this is included in our service.  We won’t stop unit you get the full financial recovery you deserve.  Preparing your dispute properly is critical to the success of your dispute.  If this is done improperly, even valid, legitimate disputes will fail, and improper and incorrect information will remain on your credit report, hurting your score and costing you money due to your impaired credit rating.

If the incorrect information is not removed, we may sue to enforce your rights

If a properly drafted dispute is ignored or otherwise not honored by the creditors and the credit bureaus, this may be cause to file a lawsuit to enforce your rights.  We have the resources to sue in Federal Court to protect your rights to an accurate credit report.  And, Federal Law provides that the creditors, not you, have to pay your legal fees.

This comprehensive “beginning to end” process is unique to our firm!

Nobody else does all of this for you.

We protect you from your creditors the minute you sign up with us.

And we don’t stop until your debts are under control, and your credit is recovered.

Your credit report is your ticket to better interest rates on credit cards, car loans and house loans.  The promise of a “Fresh Start” in bankruptcy only becomes a reality for you if ALL of these steps are followed.  Yet, I know of no other firm who even comes close to the way we care for you and your credit.

Your credit matters – to you and to us!

A better score will save you thousands, even tens of thousands of dollars in the future.

My credit recovery course explains exactly what you need to know in order to rapidly recover your credit, but it doesn’t stop there.  I also explain how to easily and quickly review your own credit report, so you too will be able to spot errors that hurt your score.  And, I explain the PROPER way to dispute these errors.  (be advised that the credit bureaus steer you away from this, and try to get you to use “their way” which DOES NOT protect your rights)  With this course, you’ll know exactly how all this works, so you’ll be able to keep your score as high as it can be, free of errors.  This is your right under Federal Law.  And if creditors violate your rights, we’re here to help.

We can even help you to sue creditors if necessary!

We even have the resources to sue them in Federal Court if they violate your credit rights.

No other firm I know of has a program like this one.

I built it because I needed to recover myself.

We treat your case just like it was our own

Everything I did to rebuild my financial life, and recover my credit, I’ve built into my law firm.  The way I handle cases for you is the same as what I have done for  myself and members of my own family.

This is how to really get your life back.

It’s a proven program that works.

And, you can only get all this from West Law Office.

 

 

 

 

How we help you get your life back, including good credit.

Once you decide to fix your finances with our office, what happens?

What can you expect?

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How long will it take?

Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat.

What are the steps to your full financial recovery?

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Pull Credit Reports and provide to you

First, we’ll pull your credit reports and give them to you.  This will save you a lot of time putting all your debt information together, and lets you know what’s out there.

Send Letters of Representation

Then, we’ll send out letters of representation to all your creditors and any bill collectors you may have, telling them not to contact you anymore.

We’ll send you the list of creditors we contact, so you can let us now if any of them do contact you.  And if they do, we’ll take the appropriate steps to make them leave you alone.

Schedule introduction and Onboarding Call

To get you started in a way that makes you comfortable with how our office works, we’ll begin by setting up the “onboarding call.”

The purpose of this call is to introduce you to your personal paralegal.  You’ll have one specific paralegal who’ll be assigned to help you fill out your worksheets, get your documents and answer questions along the way.  Of course, all of our attorneys are available to help with any legal questions you may have.

Create minimum list of documents you need to provide

One of the purposes of this call is to narrow down the list of documents that apply to your case.  There are dozens of possible documents that might be needed, but for most folks, we have found that we can get a lot of this information for you, so we narrow down the absolute minimum documents you need to provide, to make it as easy for you as possible.

Create your personal communication channel in our computer system – Your HelpDesk Account

We even have an app for your phone!

Next, we’ll set you up in our office computer systems to provide you with an easy way to get answers to your questions and allow you to send documents to us in an easy and convenient way using email and your smart phone.

Our helpdesk system is like putting our law firm in your phone.  If you’ve got a question, all you need to do is send an email, or install our helpdesk app on your phone if you like, but that’s optional, you can just use email if you want to, and your question is immediately routed to your personal paralegal.

Introduce you to free tools to send us documents –
With How-To Videos

And, you don’t need a copier or fax machine to send us copies, we’ll show you the free apps you can use to just snap photos of anything you want to send us – it’s that easy.

We’ve even created helpful video instructions to show you how to install these free apps on your phone, although most folks don’t need help, it that easy.   To see an example, you can go here

Provide custom worksheets, paper or digital, your choice

Once you are setup on our office system, we’ll send you the worksheets we use to collect all the information required by federal law to properly prepare your petition.  Since I’m a board certified consumer bankruptcy specialist, I have created my own customized worksheets, written in plain English, not legalese, for you to fill out.

You have your choice of a paper or digital forms.  The information is the same but I know that some of us like to write on paper, and some prefer the forms to be filled out on our computer, so you’ll choose whichever is easier for you.

We have instructional videos for our worksheets and documents, too

And, if you have any questions about the forms, I created a great video that walks you through every single page of the packet.  It’s like having me sit next to you and explain every line on every page.

That is exactly what I did when I created the video.  And, you don’t need to watch the entire video either.  Most of the time you’ll just have one or two questions, so I included a navigation list to take you right to the information you need.  This makes it quick and easy to get answers to any questions you have.

In order to properly prepare a bankruptcy petition, in addition to the information we collect in the custom worksheets, there are documents we need as well.  Sometimes it’s helpful to have some additional information or explanation about these documents so I created a video to help you with them.

You will notify us of any creditor contact – we will respond

As you move forward with our process, you’ll want to let us know right away if any creditors contact you by phone, text or letter, so we can respond to them for you.

Other attorneys may claim that there’s nothing that can be done until your case is filed.  That’s not true.  Even before your case is filed we will have sent letters of representation to creditors you select, so they should be calling us, not you, for any information they might need.

Continue to work with us online and by email and phone

Our entire process is designed to be done over the phone, through video chat and email, so you won’t need to have personal contact with anyone from our office.

Even the trustees meetings are being done by telephone until the Covid health crisis is over.