WE CAN START WORKING ON YOUR BANKRUPTCY FOR AS LITTLE AS $600
Welcome to Idaho’s Leading Bankruptcy Law Firm!
We charge low fees fit to your budget and your financial circumstances. In many cases, using our skill that comes from decades of experience, we save our clients many times the cost of the fees we charge. We are dedicated to making your path through bankruptcy as stress-free as we can. From the moment we file your bankruptcy, you will feel a level of relief you never expected.
We promise that we will provide you a level of service you will not find at any other law firm.
From the time you retain us, we can help you stop harassing phone calls from clients.
From the moment we file your bankruptcy for you, all collection efforts, in legal proceedings in
court, or by creditors and collectors directly, even the IRS and the Tax Commission, will stop.
At Randal J French PC, Randy French is dedicated to finding the best and most effective solutions to the financial, emotional and physical stress that many people experience on a daily basis.
We have helped client save millions of dollars of real estate, and discharge millions of dollars of
LET US HELP YOU NOW.
Randal J French, Attorneys at Law is one of the most experienced bankruptcy firms in Idaho. We take creative approaches to bankruptcy law. We will work to preserve the greatest amount of assets while reducing and eliminating as much of your debt as possible. Idaho lawyer Randal French handles bankruptcies for individuals and businesses in Idaho and the InterMountain West under Chapter 11, Chapter 7 and Chapter 13.
At Randal J French, we represent both creditors and debtors, large and small. In representing a creditor, our goal is to maximize the protection of the creditor’s position and to obtain as large a return to the creditor as is possible. Ascertaining the client’s lien position or lack thereof, maintaining the client’s position through any bankruptcy process, and obtaining timely payment of the client’s claim, or return of the client’s collateral, to the greatest extent possible, is our continuing quest.
In representing debtors, our goal is to maximize the preservation of assets, through pre-bankruptcy planning, use of all of the bankruptcy powers that may be available in any situation, negotiation with creditors and, in reorganizations, by creative and clever uses of the opportunities available in the United States Bankruptcy Code to allow debtors to keep assets on the most favorable terms available.
Chapter 11 is also known as “business reorganization” bankruptcy. Under Chapter 11 of the Bankruptcy Code, if a business declares bankruptcy, it will be afforded the court’s protection while it attempts to reorganize itself. In many situations, the company’s management may continue to run the day-to-day business operations, but all major decisions must be approved by the Bankruptcy Court.
Chapter 7 is personal liquidation or “straight” bankruptcy. Once you file for Chapter 7 bankruptcy, your creditors are required to stop harassment through phone calls and letters, and they are required to stop all foreclosures and repossessions. After filing, the bankruptcy trustee decides which of your assets are “non-exempt.” These assets are sold and used to pay your creditors according to a priority set by the trustee. At the end of the bankruptcy proceeding, all of your dischargeable debts disappear and you start over with a clean financial slate.
Chapter 13 is also known as personal reorganization bankruptcy. Under Chapter 13, individuals with a steady income can come up with a “repayment plan” to discharge their debts through making payments for three to five years. At the end of this time period, the debts are discharged. Unlike Chapter 7, Chapter 13 bankruptcy allows you to keep all of your assets. However, creditors are still required to stop all collection actions including repossessions and foreclosures as soon as you file for bankruptcy.
As is true of all the matters we handle, cost-effective representation is our goal. To win the battle while losing the war, to gain the victory at the expense of the client’s needs, is simply not acceptable.
Additional Bankruptcy Resources:
- National Association of Consumer Bankruptcy Attorneys Guide to Consumer Bankruptcy: http://nacba2.memberpath.com/Consumers.aspx
- Bankruptcy Resources from the American Bankruptcy Institute http://bankruptcyresources.org/
Links to Bankruptcy websites on the U.S. Bankruptcy Court website
- Bankruptcy Basics: http://www.uscourts.gov/FederalCourts/Bankruptcy/BankruptcyBasics.aspx
- Bankruptcy Basics videos: http://www.id.uscourts.gov/video/bankruptcybasics/bk_video.cfm
- Bankruptcy Facts You Should Know: http://www.id.uscourts.gov/FAQ-Bankruptcy.htm
- HUD Approved Housing Counseling Agencies: http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm
- Guide to Avoiding Foreclosure: http://www.consumer.ftc.gov/articles/0187-when-paying-mortgage-struggle
- Bankruptcy Forms: http://www.uscourts.gov/FormsAndFees/Forms/BankruptcyForms.aspx
- Mortgage Help Resource Center: http://www.freddiemac.com/mortgage_help/index.html