WHAT SHOULD YOU LOOK FOR IN A NEW JERSEY BANKRUPTCY ATTORNEY?

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1 WHAT SHOULD YOU LOOK FOR IN A NEW JERSEY BANKRUPTCY ATTORNEY? TRAVIS J. RICHARDS SOUTH NEW JERSEY BANKRUPTCY ATTORNEY

2 Are you tired of struggling to pay your debts? Have you talked to your last debt collector? If you are ready for help with your debt problems, it is time to contact a bankruptcy attorney. However, not all bankruptcy attorneys are equal. Should you hire a bankruptcy lawyer that advertises on television or one that you saw on a billboard on your way to work? How can you tell for sure you are hiring an attorney who has sufficient bankruptcy experience to protect your best interests inside and outside of the courtroom?

3 Filing bankruptcy is a serious step that requires the advice and counsel of an attorney who understands bankruptcy law and how to use those laws to help you erase your debts while protecting your property. Before you begin surfing the internet or looking through the yellow pages for a bankruptcy attorney, consider the following factors for choosing a bankruptcy attorney. How to Pick a Bankruptcy Attorney? Before you make an appointment with a bankruptcy law firm, consider the following: 1. Is bankruptcy law all that they do? Some law firms practice personal injury, family law, criminal defense and other areas of law in addition to bankruptcy. You want an attorney who focuses his practice solely on debt relief and bankruptcy. You would not want your general practice doctor performing your heart surgery. Likewise, you do not want an attorney who dabbles in bankruptcy assisting you with one of the most important financial decisions you will make during your lifetime. Travis Richards focuses his entire practice on helping

4 clients who are suffering because of financial problems. 2. The attorney discusses bankruptcy alternatives. Some bankruptcy lawyers are more concerned with filing as many bankruptcies as possible as quickly as possible rather than what may be in their clients best interest. While bankruptcy is certainly an option for many people, some individuals will benefit more from a bankruptcy alternative. You need an attorney who is ethical enough to discuss all of your options for resolving your debt including, but not limited to, filing bankruptcy. Travis Richards believes in a compressive approach to debt relief. He discusses all of your options with you including debt consolidation, bankruptcy, credit repair and the best ways to handle foreclosures, tax liens and student loans. Only after exploring all options, will he give you his opinion as to what option or options are best for your specific financial situation. 3. Are you required to do the majority of the work on your bankruptcy case? If you are dealing with financial problems, debt collectors and angry creditors, you are already anxious, frustrated and nervous. Receiving a HUGE packet of paperwork to complete is not going to do very much to ease

5 your anxiety and relieve your stress. There is a better way to do it. Having a team of legal professionals to help you gather information eases your stress and makes the entire bankruptcy process easier for you. Travis Richards and his staff are here to assist you by helping you complete the forms and gather the necessary information needed to file your bankruptcy case. 4. Will I have the same attorney throughout my process? If you go to a bankruptcy mill, you will probably meet several bankruptcy attorneys throughout the process if you meet with an attorney at all. In some law firms, paralegals do most of the work and clients seldom meet with an attorney. When an attorney is required, it is whichever attorney happens to be available. Your bankruptcy attorney should know you and understand your situation so that you receive consistent support, advice and guidance throughout the bankruptcy process. When you meet with Travis Richards, he is your bankruptcy attorney from that moment through the end of your bankruptcy case. While you will work with an exceptional team of legal professionals chosen by Mr. Richards, when you need your attorney, he is the one you will talk to because he fully understands your case.

6 5. How long will it take to file my bankruptcy case? A few bankruptcy cases may take a little longer to prepare and file due to the complex nature of that person s financial situation; however, most bankruptcy cases can be handled quickly and efficiently. We understand that the process you go through when deciding to file bankruptcy is typically a long one involving stress and frustration. By the time you come into our office for a free bankruptcy consultation, you are simply ready to get the process over with so that you can move on with your life. At the Law Office of Travis J. Richards, we do not make you wait to get your life back. We do everything within our power to file your bankruptcy case as quickly as possible so that you can receive the fresh start that you need to recover from a financial crisis. Our goal is to file your bankruptcy case in weeks not months as some law firms do.

7 6. Will my attorney review the bankruptcy forms with me and go to court with me? We do not expect our clients to understand complex bankruptcy laws and forms without assistance. It is our job to explain the bankruptcy forms to you in a way that you can understand. We will never mail the bankruptcy forms to you, ask you to review them, sign them and return them to our office for filing. The bankruptcy attorney you have dealt with during the entire process will review each page of your bankruptcy petition and schedules with you to ensure that the information contained on those forms are complete and accurate. The more time our attorney spends with you reviewing your forms before they are filed results in fewer unwanted surprises during your bankruptcy case.

8 7. Does the attorney have extensive bankruptcy experience? Travis Richards has the experience you want when your financial future is on the line. He has helped hundreds of people find an affordable solution to their financial problems. An experienced bankruptcy attorney knows how to help clients get rid of their debts while protecting their property. Do not trust your future to an inexperienced attorney. Contact an Experienced Mount Holly Bankruptcy Attorney Personal Approach, Professional Service, Affordable Payment Plans The Law Office of Travis J. Richards, LLC is a full-service Mount Holly bankruptcy law firm focused on Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, debt consolidation, credit repair, tax liens, student loans and foreclosure. We represent clients in Burlington County and throughout South Jersey. Contact our office at to schedule your free consultation to discuss bankruptcy and non-bankruptcy alternatives. You may also use our convenient online contact form and one of our friendly, professional staff members will contact you to answer your bankruptcy questions and/or schedule a free consultation with Travis J. Richards.

9 About the Author Travis J. Richards Travis Richards is not your typical attorney. He understands the random curve balls life throws at honest, hard-working people. Growing up on farm in Southampton, New Jersey, money didn t always come easy for many of his family, friends and neighbors. He saw that bad things often happen to good people. This background shaped his approach to the practice of law. Mr. Richards considers it a privilege to help clients from all walks of life recover from financial hardship. In doing so, he aims to provide every client with the same service he would provide a member of his own family. His mission is to get to know each client individually and provide the best legal advice possible for them to regain control of their lives. Over the past decade I have impacted the lives of hundreds of individuals and families in an extremely positive way, he says. Through bankruptcy I am able to show my clients a freedom that they thought impossible to achieve My goal is not only wipe out the debt they have accumulated, but also help make sure they will never be in a situation to need my services again. Mr Richards has helped hundreds of individuals eliminate debt, keep their property and return to financial stability. Bankruptcy gives deserving individuals a second chance. Mr.Richards graduated with honors from Rutgers University, in New Brunswick, NJ where he majored in History. In 1999 he graduated, again with honors, from Rutgers School of Law, Camden, NJ. He was admitted to the New Jersey and Pennsylvania Bar in 1999, where he is licensed to practice law before the United States District Courts. Mr. Richards practices bankruptcy, mortgage loan modification work, debtor rights and credit card negotiations. He maintains memberships in the National Associate of Consumer Bankruptcy Attorneys, the Burlington County Bar Association, the New Jersey State Bar, the Pennsylvania State Bar, and the American Bankruptcy Institute The Law Office of Travis J. Richards 141 High Street Mount Holly NJ Phone: Fax: Website: njbankruptcyinformation.com