All we want are the FAQs, ma'am

Bankruptcy FAQs abound (read rapidly for effect): can I keep my car? Can I keep my other car? Can I keep my home? Can I keep my other home? Will it stop foreclosure? Will it stop a lawsuit? Will it stop eviction? How will it affect my credit? How will it affect my spouse? Can I file without my spouse? Can I file a second time? How 'bout a third? My IRA? My 401(k)? Etcetera, etcetera (I like to spell out that word, I like the way it looks).

You may wonder, where to find the answers? You can check us out at www.bankonitsd.com. We've taken the time therein to answer many FAQs in detail and in depth. There are answers there on your computer screen. But... they're not strictly YOUR answers. It's not advised to act upon a universal response. It's like those one-size-fit-all caps. They fit some, but not all. Some people just have oddly-shaped noggins... or bankruptcy fact-patterns.

So you've decided to speak with an attorney to find your answers. You peruse the ads and realize there must be 2.6 attorneys per capita in this county of ours. You wish to seek legal counsel, but whom do you call? There are two extremes to watch for.

There's a San Diego phenomenon called the bankruptcy mill. One such mass-client mill is shutting down. The bigger-is-better, ad-blitz model collapsed. And the mill sobriquet fits, like so many factories yielding to cheap imports. Bankruptcy mills offer the minimal attorney contact, anonymity, high prices, and impersonal touch some seek (I kid you not, some clients confess they prefer to be assembly-line material). However, if you seek there an attorney's counsel, you might instead find a sales-pitch. Free consultations are offered by clerks (not attorneys), ready to sign you up now, ask questions later. Prepare to pay upfront if you'd like to see an attorney. And prepare to pay a lot. Big advertising and multiple locations cost big bucks. Saving a gallon of gas, 'cause a clerk's parked at a next-door satellite office isn't worth another 300 gallons you'll pay in attorney fees.

There's another San Diego phenomenon, I call the "how-can-your-fees-be-so-low lawyer."

Now, our prices are among the lowest in the industry. We make bankruptcy affordable without compromising compassionate and responsive service. If you find lower prices, they likely do not entail the considerable scope of attorney representation we offer. If prices you see are too good to be true, you may find that the price advertised was for minimal a la carte service and it'll cost a lot more to get a full entree. Besides hidden fees, excessively low pricing may imply virtual representation by an office-less attorney, a Website-less attorney, a one-man operation that lacks the support staff necessary for a thriving practice. In addition, beware of bankruptcy moonlighters, operations that dabble in a "trendy" area of law. Call it bankruptcy chic.

Bankruptcy law is a mercurial beast. This creature must be mastered and tamed. We are exclusively a bankruptcy law office. I live it day in, day out (except on weekends). It's not just a side job.

What you seek is balance. Dedicated, individual advice from an attorney, comprehensive representation, and a strong support staff to administer your case. I reckon we fit that mold.

I'm your advocate. When you come in for a free consultation with me, I sit with you personally and offer my professional opinion. You will know me. I supervise every stage of your case and appear at your side at the mandatory meeting with the trustee. I am available for legal consultation throughout your case. Pertinent and complex questions are routed to me immediately so I may timely assess the facts. I am faithfully supported by a seasoned, indispensable staff to handle the considerable administrative and fact-gathering duties that are integral to preparing a successful case for you.

It's a cliché complaint: the non-phone-call-returning lawyer. That notion is unheard of in my office. It's verboten and never acceptable.

If you're seeking attorney representation, but would like an attorney's answers before you pay, then give us a call. We offer free, no-obligation consultation with an attorney whose every word is his reputation.

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*You'll find our office in the garden suites of Carmel Mountain Professional Park, located conveniently off the I-15 freeway near the CA-56. We request in-office consultations to meet you in person, but accommodate busy work schedules: we work extensively and patiently by phone, e-mail and mail. We accommodate appointments outside your work schedule.

Call: 858-344-0500 or e-mail admin@abramslawsd.com to set an appointment. You may also visit us online at www.bankonitSD.com