Bankruptcy Services from Walter Oney, Attorney at Law

A Chapter 7 or 13 bankruptcy filing can help you get a fresh start by discharging most debts.

Follow this link for a brief overview of bankruptcy.

For a no-obligation evaluation of your situation, download and install Attorney Oney's online office software by clicking on this link:

Enter the online office by clicking on the Start button, then on Programs (or "All Programs"), then on "Walter Oney, Attorney at Law", and then on "Online Office Software". Follow the instructions to select a username and password.

Note: The online office software requires a PC running Microsoft Windows.

Fill out the online forms. On the last form, click on the underlined text to submit your interview results to my office.

If I'm able to accept your case, the rest of the process will be like this:

I'll mail you an engagement letter covering the exact terms of my representation. I will quote you a fee based on my estimate of how complex your case is and how much you will be able to help with the clerical burden of working up the case.
If you approve the terms of engagement, you'll return one signed copy of the letter along with the agreed retainer.
You'll collect the financial information needed (I'll tell you what to collect) and fill out the rest of the online office forms. When you're done, you'll resubmit your interview results to my office and mail me all the documents I've requested.
I'll review your submission in detail. I will probably have additional questions, which I'll ask you by mail, phone, or e-mail, depending on how you want to be contacted.
I'll prepare your bankruptcy petition based on all the information you furnish.
We'll make a one-hour appointment for you to come into my office to review and sign your petition.
I'll file your petition electronically.
Immediately after filing your petition, I'll write any necessary "first day" letters to halt impending actions against you by creditors.
About a month later, you and I will attend a "first meeting of creditors" at the Tip O'Neill Building in downtown Boston. Your bankruptcy trustee conducts this meeting, which usually amounts to him asking, and you answering under oath, a few very simple questions. Creditors do not usually attend these meetings.
I will represent you in the sorts of motions that usually arise in consumer bankruptcy cases. These include creditor motions for relief from the automatic stay in order to foreclose a mortgage or repossess the collateral for a secured loan, your motions to avoid judgment and other nonpossessory liens on your property, and so on.
I will have asked for a retainer to cover the cost of representing you in any so-called "adversary proceedings" that I can reasonably anticipate you will want to file, or that will probably be filed against you, in the bankruptcy case. Except as explicitly stated in the engagement letter, you will not need to pay an additional fee for that representation.
About 60 days after the first meeting of creditors, if nothing unusual has happened, the court will issue an order discharging most of your debts.
I will continue to represent you on a fee basis in case creditors violate your discharge.

You probably have many questions about the bankruptcy process. I've tried to provide answers to most of them through the Online Office portal. Please, therefore, download and use the Online Office Software first. If you have additional questions that aren't answered, call me then.

Important note: I am not your attorney until you sign and return the engagement letter and retainer.

Congress requires that every person who provides "bankruptcy assistance" to an "assisted person" include the following statement in all advertising (11 U.S.C. § 528(b)(1)(2)(B)): Walter Oney is a "Debt Relief Agency" as that term is defined in 11 U.S.C. § 101(12A). He helps people file for bankruptcy relief under the Bankruptcy Code.

Don't be fooled by every advertisement you see for a debt relief agency though: Congress has not restricted use of the phrase "debt relief agency" to persons who meet the statutory definition. Furthermore, nly a licensed attorney can represent you in court or give you legal advice.