Costs

I provide free initial consultations for all prospective clients.  Please note that I am not currently accepting clients who are seeking to file a new bankruptcy case.  You can schedule an appointment by clicking here or by phone at (248) 817-6669 or by e-mail at sandra@sandraoconnorlaw.com. Do not disclose any confidential information in any initial voicemails or e-mails to schedule an appointment.  I will not be your attorney unless we enter into a signed retainer agreement.

I strive to provide services for a reasonable price based upon the complexity of the matter and the extent of services.  Normally fees are performed based on hourly billing, but some cases may qualify for a flat fee arrangement.  We will discuss the terms of proposed representation at your free initial consultation.

Regardless of the circumstances leading you to need representation, you should expect and you deserve to have your case to be treated with the utmost importance and urgency.  If I am retained as your attorney, I will aggressively pursue and protect your interests.  I will respond to your inquiries as quickly as possible.  I will ensure that I am fully apprised of all law and facts applicable to your circumstances in order to provide the best representation possible.  I frequently attend continuing legal education events and keep up-to-date on applicable changes to and interpretations of bankruptcy law in order to prepare for any creative new theories that can be used against you or for your benefit.

Michigan has no requirements that attorneys obtain certification in a specialty or that attorneys complete any continuing legal education at all in order to represent clients in that area of law.  Bankruptcy is not typically a required course at law schools and is not tested on the Michigan bar exam.  Bankruptcy documents appear easy to prepare, which entices many underqualified attorneys to decide to act as bankruptcy attorneys without adequate qualifications.  However, the bankruptcy documents and the Bankruptcy Code are minefield of potential issues, both old and new.  

The attorneys for trustees and creditors have a strong incentive to keep on top of changes in the law to maximize the recovery for their clients.  You do not want an attorney who learns of new legal theories as a result of those theories being testing against you or those close to you, and then isn’t ready to fight for you.  

In my substantial experience representing chapter 7 trustees, I have seen the following consequences to chapter 7 debtors and their family members, many of which were unanticipated and could have even been prevented by qualified representation:

  • Loss of homes
  • Loss of vehicles
  • Loss of retirement accounts, annuities, and insurance policy cash values
  • Loss of businesses
  • Lawsuits against family members, friends, and debtor’s businesses
  • Denial of discharge, meaning that despite the bankruptcy filing, all debts still have to be paid

Many people end up regretting filing for bankruptcy because the resulting consequences outweigh any benefits.  Many people also find that, once problems arise in their bankruptcy case, their attorneys become difficult to contact and are unqualified to represent them in the resulting proceedings.

As a board certified specialist in consumer bankruptcy law by the American Board of Certification, I am required to meet rigorous standards to obtain and maintain certification.  The requirements include a thorough examination, verification of experience, substantial continuing education, peer review, and verification of integrity.  

As of October 2017, there are only 31 attorneys in the entire state of Michigan who are board certified consumer bankruptcy law specialists.  Less than two-thirds of those are located in the Metro Detroit area.  

If you are searching for a bankruptcy attorney based on the lowest cost, my fees will not be the lowest you can find due to my qualifications and my commitment to providing the providing optimal representation. However, I strive to offer reasonable fees in light of the work to be performed and your unique financial circumstances.  

My firm offers free initial consultations.  You may schedule an initial consultation online by clicking here.  You may also contact me by phone at (248) 817-6669 or by e-mail at sandra@sandraoconnorlaw.com.  Do not disclose any confidential information in any initial voicemails or e-mails to schedule an appointment.  I will not be your attorney unless we enter into a signed retainer agreement. In the event that you have urgent circumstances or you are unable to meet during normal business hours, please let me know your availability and we can work to set up an appointment even if the dates and times on our online scheduling tool do not work for you.  Although I am not currently accepting clients who are seeking to file a new bankruptcy case, you can contact me if you are considering replacement counsel in your bankruptcy case or seeking representation for a new or existing contested matter or adversary proceeding resulting from a bankruptcy case.