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Life After Bankruptcy TM
- Our URGENT message: How Bankruptcy Still works in Iowa
- The hardest part of declaring bankruptcy.
- What can push you into bankruptcy?
- What are the common types of bankruptcy, in what ways are they of use?
- How does bankruptcy affect my credit?
- What’s included in our Total Care PackageTM
- we’ll handle all creditor calls and more.
- What do I need to do from my side?
- Our Prices
- Why choose Gandy Law Offices? Education & Credentials.
- We have walked a mile in your shoes -
a very personal message from Attorney Gandy.
- What is the next step?
Member, National Association
of Consumer Bankruptcy Attorneys
Member, National Association
of Consumer Advocates
OUR FIVE STEP PROCESS
The procedure of bankruptcy is straightforward at GANDY LAW OFFICES, P.C.
It's a logical five step process.
You will have our undivided professional attention each step of the way.
- The first step
is an Initial Consultation, "IC" for short, with Attorney
Gandy, in person or over the phone. In
that consultation we will review your financial situation
and give you sound, competent advice on what are your options.
Even if together we decide that a bankruptcy fresh start
isn't the right thing for you, we will point you in the right
direction. If you decide that getting a fresh start through
the bankruptcy process is the right choice for your situation,
then we will quote you a very reasonable standard fee based
on how we understand your situation. One thing is for sure--
you're guaranteed to end up with more insight about your
situation than you had when you started.
- The second step is an information
gathering appointment, sometimes called a Questionnaire Setup,
or "QS" for short. You will meet with one of our lawyers
or legal assistants, again over the phone or in person, who
will go over a Fresh Start Worksheet with you and work with
you to fill out our copy of the worksheet. This Fresh Start
Worksheet asks you for all of the information we will need
to file a Bankruptcy Petition with the Bankruptcy Court.
We can also accomplish this information gathering step by
mailing you the Fresh Start Worksheet and going over it with
you by telephone. You can feel free to call us with any questions
in going through it.
- The third optional step is to gather
any additional information needed for the Fresh Start Worksheet
and to go over it again with us to make sure it is all complete
and correct. We sometimes call this step a Questionnaire
Review, or "QR" for short. Usually, we can combine steps
2 and 3 together, but it is sometimes helpful to have this
second chance to pull all the information together and double
check that it is accurate. Again, we can also accomplish
this step in person or by telephone.
- The fourth step is what we call the
Final Signing, or "FS" for short. The name of the appointment
is fairly explanatory as to what it is all about. The final
signing is held when all of the information has been gathered
from you and your balance owed to Gandy Law Offices is paid
in full. In this step you will review the Bankruptcy Petition
that is to be sent for filing to the United States Bankruptcy
Court. As the petition is prepared in the meeting, we will
also prepare and guide you on the process that will be taking
place from filing the petition to when your case is closed.
By the end of the Final Signing, you should have a good idea
of what's going to happen next, when it is going to happen
and why. This meeting should end with you feeling a whole
lot lighter and less stressed.
- The fifth and usually final step in the five step process is for you to attend a meeting of creditors at the federal hearing location to which you are assigned. (See the Iowa Map here). After this step, if everything goes smoothly, all you have to do is wait (around 60 days) to receive a court order in the mail saying that your dischargeable debts have been forgiven. The meeting of creditors will happen about 20-40 days from the date we file your Petition with the Court. It is a very short hearing usually lasting 5 to 10 minutes. (However, you need to plan on being there for up to an hour while you wait your turn.) Bankruptcy is a federal proceeding that cannot be filed in local Iowa District courts at the county level. That is why you need to go to your hearing location. We can provide directions for each location and we will be happy to tell you how to get there. Usually, your creditors will not bother to send representatives to this meeting. Usually, you will simply answer a few questions and go home! Even so, you can count on the fact that Gandy Law Offices will have one of our associate lawyers there to represent you at the meeting.
MORE THAN 20 YEARS EXPERIENCE
CLIENT TESTIMONIALS
"You guys rock" -- L.K.
"I'd stand on my head for you guys, but I'd look silly doing it." -- P.G.
"Now, I can sleep tonight" -- R.C.
"If you need the help, Gandy's the one to go to." -- P.G.
"Thanks again for helping us out. You all treated us like people, not criminals." -- G.G. & B.G
"You really go to bat for your clients." -- M.H.
"The knot in my stomach is gone." -- K.G.
"Freedom is amazing, we can answer the phone again and actually have money in the bank." -- K.
"I thought your service was excellent. I felt so badly about having to take bankruptcy and so nervous, but your staff helped me feel at ease and were so understanding and helpful. Thank you." -- P.B.
"You are wonderful people, very helpful & friendly! We have a new lease on life!!" -- S. & J. R.
"Excellent service, never felt uncomfortable with subject." -- R.R.
"This was a very hard decision for us, your office made it go smoothly & easy. Thank you." -- G.B.
"Everything was explained so that I understood which made me feel at ease with the staff. Thank you so much for the fresh start." -- A.S.
"Personnel was very courteous, helpful, cordial & looking out for my best interests. I would highly recommend GANDY LAW OFFICES to anyone" -- V.F.
"I was very pleased and relieved to have an honest and outstanding firm as yours. I have had a couple of bad experiences in the past - Thank you very much" -- R.H.
"I think you folks were great. I could hardly believe how easy and smooth it all went. Keep up the good work." -- D.S.
"Professional, yet caring." -- B.H.
"I wish everyone who was suffering financially like I was would find out how easy it is to get out of the mess they're in." -- Anonymous
"Thank you for your guidance and legal assistance. You did a very good job of keeping me informed." -- M.S.
"I was very pleased with Mr. Gandy and staff, and would recommend your law firm." -- C.S.
"Your service was great. An enormous weight has been lifted." -- R.F.
"... thanks for getting me through a very difficult time. I went to court much better prepared than others represented by other firms." -- S.J.
"Deciding to file bankruptcy was hard & I was embarrassed about it. But coming to your office and being treated with respect... it made the whole experience a lot easier, and more pleasant then I imagined it would be." -- Anonymous
"... You took our stress and made life better for us with a new beginning." -- P.H.
"I am glad I chose your firm." -- D.L.
"When I first came into your office, I was so down on myself and truly felt like a failure, but now I am really at peace with myself, and I have started a new life. I owe it all to you, Mr. Gandy, and your wonderful, caring staff." -- G.S.
"The service was wonderful." -- B.H.
"I just want to thank you for all your kindness and help in this matter! You and your staff were so kind, considerate and helpful... You really made me feel at ease about the whole process." -- S.N.
"You all rock!" -- K.
"I was VERY satisfied with your personnel and the way you guys handled everything for me." -- R.O.
"Keep up the good work and thank you very much." -- M.A.
"[You] made us feel like family... We weren't made to feel embarrassed about our decision." -- T.T.
And a very special story was shared to us by one of our valued clients:
"My true feelings about the Gandy Law firm:
I prayed for guidance how to get those bills paid. I was looking in the stand for something and the telephone directory fell out and opened to the yellow pages with the Gandy ad showing. After reading the ad I sat there wondering 'could they be the one's to help me?' My inner thoughts told me 'sure, give them a call and see what happens.'
Well, the rest is history... I'm so grateful to all of you. You people seemed concerned about my health, about me climbing those steps [to the office]. I want you to know since the burden has been lifted from me, my health has gotten better." -- H.B.
FREE QUESTIONS
Call Toll Free
1 (888) 874-0289
You can also start
reading your
BANKRUPTCY
GUIDE
"Bankruptcy Still Works in Iowa - Fighting Back and Helping People Get a Fresh Start"
(Download Free Adobe Reader.)
A DVD is also Available
Iowa Bankruptcy Attorney
Gandy and his staff strive to be both competent
and caring.
We are never judgmental of clients and truly understand the
problems they are facing. We want to be of help. We have
walked a mile in your shoes.
Attorney Gandy has been Board Certified in Consumer Bankruptcy Law since 1998
Click here to verify
You may be considering having GANDY LAW OFFICES, P.C. represent
you in getting a fresh start for you and your family by using
the bankruptcy process.
Please know that the GANDY LAW OFFICES team will work very hard to do an excellent
job for you.
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