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Posts Tagged ‘chapter 7’

Chapter 7 Bankruptcy: From Financial Bondage to Financial Freedom

Tuesday, May 31st, 2011

The following story is an unedited letter from a client detailing the difference that bankruptcy, and Doan Law Firm in particular, made in her life. She asked that we not publish her name.

When in debt and facing the potential of bankruptcy, we often feel like slaves to our debtor. We feel this because most likely we are.

If we are unable to pay on time, we are charged more.  If we ignore the creditor, we are tainted with marks to a credit score while being charged more fees.

After years of avoiding creditors, my husband and I called Doan Law Firm. I came into their office feeling defeated and guilty. I knew those feeling were a direct result from the shame I felt after being sued not once, but twice, for not paying creditors. And the truth is I felt we deserved being sued, since we were unable to repay the debt.

After having excellent credit and being debt free, for years, my husband was in a bad accident on the job. He was not only hospitalized, but terminated from his job while laying in the ER.

When it was time to keep the lights on, I was grateful we had good credit. I figured it would allow us to make up the the difference in income we had lost from his job. But when my husband fell into a deep depression during a bad case of post traumatic stress syndrome, I felt that paying bills with credit cards, instead of having my husband worry about the finances, would be best. This ended up being my biggest regret.

Time passed so quickly and all the 0% cards soon came back at 32% and within two years we were way over our heads.

As devout Christians, I knew the debt was a sin.  First, I was not only unable to keep my word and repay the creditors, but now money (or the lack of money) had become our biggest worry! I know to worry is the expectation that God is going to fail me, yet I operated in fear trying to fix things financially the wrong way. It was wrong to ignore the creditors while I was praying for some miraculous pay off that never arrived.

We didn’t want to file bankruptcy; we wanted to pay everyone back! Our excuse not to file was a mere reflection of the pride we carried.

After speaking to a rep at Doan Law Firm, I was told that I only needed a penny to remind me to trust in God. After that phone conversation I felt God tug on my heart. I hung up with that rep and that afternoon is when I fell to my knees in repentance. I didn’t realize how much I needed to repent from. I had to repent from mismanaging money, the spirit of entitlement ( I wanted to keep living the same way I did before the accident), I had to repent from lying ( I spent months lying to creditors telling them I would call them back and never did),  and from the spirit of pride which kept me from getting help sooner. I fell on my face asking God to forgive me for being in debt, regardless of how I got there. I hadn’t realized how much was attached to the debt and how much it was blocking me from growing spiritually.

We had been tithing for years and still weren’t able to find financial overflow or freedom from living pay check to pay check.

It finally all made sense to me when I repented right before paying for our bankruptcy. God removed our pride and sense of entitlement, and He reminded us during this process how important it is to live right in every area of our life, and this included in our finances.

Recently, after we have arrived to a new season in our walk with the Lord, I lost one of my biggest accounts. I was worried, but the week we repented I saw a miracle. I picked up 3 new accounts, which tripled my income. I praise God because his love and mercy never failed us. He forgave us. In our case we needed to repent in order for the windows of heaven to release all that he had in store for us. It’s amazing all the goodness that comes from walking in obedience!

“Thank you Doan Law Firm for showing us love and compassion; we really needed it.”

Not all Bankruptcy Firms are Created Equal

Monday, January 31st, 2011

The saying, “you get what you paid for,” rings true all too often. At Doan Law Firm, we confidently assure you that the advantages we offer are worth every penny paid. We wrote a document entitled Our Pledge is Your Assurance and all of our employees agreed to each of these by placing their signature at the bottom. We know of no other bankruptcy law firm that is willing to focus on client care by making such a significant pledge. Click on the title to see how committed Doan Law Firm is to their Chapter 7 and Chapter 13 Bankruptcy clientele.

To A Hammer, Every Problem Looks Like a Nail

Wednesday, December 1st, 2010

Scared to talk with a bankruptcy attorney because you’re sure he/she will recommend bankruptcy whether or not it’s best for you?  It’s like asking an insurance agent if you need more insurance, a Mary Kay rep if you need a make-over or a trainer if you need to pump more iron – the answer will of course be a resounding “yes”!

At the Doan Law Firm, we don’t recommend bankruptcy to every person and their brother.  We take the time to explore all the options and help you formulate a clear go-forward plan that makes the most sense for your situation and goals.  Sit down with us today fear-free.

Colonoscopy Without Anesthesia

Wednesday, August 11th, 2010

A woman walked into my office today and told me she’d would rather get a colonoscopy without anesthesia than come see me.  With a different client last week it was a mammogram, the week before a root canal.  I try not to be insulted; after all, I’ve told my dentist much the same thing.  I’m happy to see him at church over a donut, but much less glad to see him in his white jacket and giant light-up headgear on a Tuesday afternoon.

Part of my job as a bankruptcy attorney is to take my clients from where they are now – scared, angry, frustrated and out of options – and to shed light on the situation.  Most of the time, reality is much better than they believed.  Sometimes it’s worse, but there’s nothing worse than not knowing.  Waiting for the other shoe to drop is paralyzing when you don’t know if it’s a satin slipper or a steel-toed work boot.

Every meeting ends with a go-forward plan.  Each person to walk out of my office has clarity on their particular situation with all its variables, the next step and, most importantly, the big picture.  It’s always –I say always without hesitation – always, better than a colonoscopy without anesthesia.

Creditor Abuse Prevention, part of the Doan Difference TM

Thursday, July 29th, 2010

A vast majority of our clients are unlawfully harassed by creditors in violation of federal law.  The most common violations are:

  • Repeated calling
  • Using abusive language
  • Calling neighbors & family
  • Calling at work
  • Calling early in the morning or late at night
  • Threatening legal action to intimidate
  • Continuing to call after represented by counsel
  • Continuing to call after being asked to stop

We take this unlawful conduct very seriously.  As part of The Doan DifferenceTM, we heavily pursue creditors who violate the RFDCPA/FDCPA, the state and federal laws protecting consumers from debt collectors.

We prepare a letter to all your creditors informing them that we represent you.  This letter also puts them on notice that we expect them to abide by the law.  Most creditors will comply which means they will no longer call you, your work or your friends and family.  We pursue any creditors that continue to violate the law.

Over 50% of our clients that have had creditors violate the law recovered their cost of filing bankruptcy.  A law-violating creditor paying for a bankruptcy is sweet irony.  Many clients receive a settlement to help them with their “fresh start”.  We take all cases on a contingency fee.  You pay only a percentage of what is recovered.

We treat our clients like family.  Since we wouldn’t let our mothers be harassed by creditors, we’ll make sure you aren’t either.

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    Laguna Hills Bankruptcy
    25401 Cabot Rd.
    Suite 113
    Laguna Hills, CA 92653
    Call 888-362-6529

    Santa Ana Bankruptcy
    930 West Seventeenth St.
    Suite C
    Santa Ana, CA 92706
    Call 714-795-3536

    Corona Bankruptcy
    1411 Rimpau Ave.
    Suite 108
    Corona, CA 92879
    Call 909-708-4597

    Moreno Valley Bankruptcy
    24490 Sunnymead Blvd.
    Suite 101
    Moreno Valley, CA 92553
    Call 951-579-4756

    Watsonville Bankruptcy
    444 Airport Blvd.
    Suite 109
    Watsonville, CA 95075
    Call 888-362-6529

    Oceanside Bankruptcy
    1930 S Coast Hwy
    Suite 206
    Oceanside, CA 92054
    Call 760-450-3333

    Chula Vista Bankruptcy
    333 H Street
    Suite 5000
    Chula Vista, CA 91910
    Call 619-500-6535

    Escondido Bankruptcy
    320 East 2nd Ave.
    Suite 108
    Escondido, CA 92025
    Call 760-746-4476

    La Mesa Bankruptcy
    4817 Palm Ave.
    Suite I
    La Mesa, CA 91942
    Call 619-462-362

    San Diego Bankruptcy
    185 West F St
    Suite 100
    San Diego, CA 92101
    Call 619-234-3626