March 30, 2020

Why I Provide $0 Down Bankruptcy And Almost No One Else Does

Short Answer: It’s Because I Care About My Clients

Here at Siddons Law, I deal with many clients who say that they don’t have the money to file for bankruptcy. This is a sad state of affairs because, for many of my clients, bankruptcy is the only option they have for turning their financial situation around. My clients get to this point because they have had to deal with judgments, wage garnishment, evictions, liens, and/or foreclosures, not to mention constant harassment from creditors.

For those that feel they have no way to break this vicious cycle, I do offer a helpful solution: Zero Down Bankruptcy. Siddons Law is one of the few law firms to offer this service. We do it because we want to get our clients back on track.

What Is Zero Down Bankruptcy?

When most attorneys help you file for Chapter 7 Bankruptcy, they charge attorney’s fees right off the top. The problem is that many Americans who are in dire financial straits can’t afford to pay the hefty attorney’s fees required to file for Chapter 7 Bankruptcy. This creates an unfortunate catch-22. Often, these individuals try to file with a bankruptcy preparer (who is not a licensed attorney). Many people will even try to go through the bankruptcy process themselves. This is a huge mistake, as filing for bankruptcy is a complicated process that requires the help of an experienced lawyer. 

Compare that frustrating method to my Zero Down Chapter 7 Bankruptcy service. With this service, you pay no money upfront and no interest payments – you would set up a monthly payment plan that begins 30 days after you file. The advantage of paying this way is that, since you have successfully filed for bankruptcy, you actually have some money to pay for attorney’s fees. Also, because you are able to pay over time, the monthly payments end up being affordable. This is the perfect solution for those who need to file bankruptcy but fear they don’t have the money to do it.

Why Do I Provide Zero Down Bankruptcy Service?

One question that people always ask me is, “Why do you provide Zero Down Bankruptcy service when so few other attorney’s do?” The answer is that I am different from other attorneys–I always have been. I believe in providing great customer service to my clients, which means meeting them where they are at. I also hate seeing hard working Americans struggle to pay bills, I hate seeing them have to lose their home and vehicle, and I hate seeing them get harassed by creditors and debt collectors. If Zero Down Chapter 7 Bankruptcy is one way to prevent these terrible things from happening, then it is a service I am happy to provide.

Qualifying For Zero Down Bankruptcy

If you wish to file for Zero Down Bankruptcy, there are a few qualifications that you must meet:

  • You must be employed (either full or part-time)
  • Your gross annual income must be at least $25,000
  • You must the MEANS test

If you meet these three criteria, and you are drowning in debt, Zero Down Bankruptcy is the solution for you. This service will protect you from wage garnishments and other devastating financial repercussions. When my clients file for Chapter 7 Bankruptcy, they are making a crucial first step toward taking control of their finances. 

$0 Down Bankruptcy Is Endorsed By A Top U.S. Trustee

I am happy to report that Zero Down Chapter 7 Bankruptcy has been endorsed by a head U.S. trustee. As recently as 2019, Clifford J. White III, the director of the United States Trustee Program, endorsed Zero Down Bankruptcy. More specifically, White commended the analysis in a Supreme Court case that approved bifurcation and collection of post-petition fees. White declared that the four-part analysis in the case is instructive to local U.S. Trustee Programs and practicing attorneys.

In the case in question, a local U.S. Trustee objected to an attorney’s use of bifurcation to offer $0 down and post-petition payment of bankruptcy fees and costs. The court disagreed and allowed the bifurcation and collection of $2,400 in post-petition feeds and costs. This ruling, and White’s approval of it, validate practices like mine that allow post-petition payment and Zero Down Bankruptcy. Although this practice has been approved at the highest level, law firms around the country have been slow to implement it. It is easy to see why: most attorneys want their money right away, no matter how inconvenient that arrangement is to their clients. At Siddons Law, we are willing to wait if we know it is in our clients’ best interests. That is because we are in the business of getting people back on their feet. If you need help getting back on your feet, give us a call today.

The Siddons Law Difference

Offering Zero Down Bankruptcy is one of the many ways that I help my clients through their toughest times. I am known for being an experienced, compassionate attorney, who truly cares about his clients. This is what separates me from so many other attorneys. If the reviews and testimonials are any indication, my clients seem to agree. I know that many of my bankruptcy clients come to me in dire straits, and the last thing I want to do is charge exorbitant fees, or surprise them with hidden charges. 

If you are struggling to make ends meet due to excessive debt, and you meet the requirements for Zero Down Chapter 7 Bankruptcy, I encourage you to take advantage of this life-changing solution. I can share hundreds of positive stories of people who filed for $0 down bankruptcy and turned their lives around. If you reach out to Siddons Law, I will be happy to answer any questions that you may have about Chapter 7 Bankruptcy or any of the other legal services that Siddons Law provides.