All consultations are 100% FREE. I don’t collect a penny unless and until I file the petition I prepare for you at your instruction. Call for free, and talk to me. When you call, you’ll talk to me, your lawyer; not some secretary, paralegal, assistant, or other second fiddle. I answer my calls, meet with you, personally prepare all of your legal documents, and am at your side in court. I represent clients all through Vermont. Can’t make it to my office? I’ll come to you (call for details)! I perform a detailed analysis of your financial situation and provide counseling at no charge to you. My fee is right on my website, under the "Fees" section, and it is the lowest fee in the state, based on a recent inquiry of the other regular bankruptcy practitioners in the state. Plus, consumers who earn less that 250% of the federal poverty level pay even less. The fee includes: * your bankruptcy credit report * required pre- and post-filing credit counseling courses * preparation and filing of the bankruptcy documents * representation throughout the bankruptcy process. Behind in your mortgage payments? You might be able to save your home with a Chapter 13 plan. Call right away! My law practice is limited exclusively to bankruptcy law and other financial matters for Vermont consumers.