Find out Quickly if you are Eligible for Chapter 7
| ||Iowa Annual Median Income|
|Check your income against this chart. Include gross wages, overtime, child support, net business income, all sources of income except Social Security. Include in your “household” kids you support or have in joint custody. If you are under median income, you are eligible for full discharge Chapter 7 bankruptcy, period.|
Ready to get started?
Complete the required online Pre-Bankruptcy Credit Counseling - DO THIS FIRST
Two certificates for joint married filing. It is simple you just list your income, expenses, assets and debts and read some financial tips. It takes 60-90 minutes and you can usually get your certificate(s) the same day. These are good for 6 months so do this early. If they ask you for an attorney code, leave it blank, that is for attorneys that charge you for the class.|
Email certificate(s) as a PDF to Jeff once received. Then Jeff can send you some additional information to prepare for a successful case.
Meet with Jeff in Des Moines and finish the bankruptcy petition when you are ready.
Electronic Case Filing by Jeff in Des Moines after we meet.
Bankruptcy Hearing in Des Moines – About 30 Days after Filing.
Discharge- about 9 1/2 weeks after hearing, so about 3 1/2 months total for your Iowa bankruptcy.
"Thank you for all your help Jeff!
You made a not so good situation
a good experience for me.
I appreciate it immensely!"
Read Jeff's Bankruptcy Client Reviews
Email Jeff at email@example.com.
I look forward to helping you!
You can keep your home as long as you make the payments
"To anyone reading this..STOP.. and review Jeff's videos.. and then e-mail Jeff!! I'm excited for you because you will be elated you did!! Jeff is always there ..not to judge you...but to help you become debt free!! To quote Jeff," No Worries!" Forever and always, Thank you Jeff!!!"|
-January, 2012 Clients
In March of 2008, Jeff filed our bankruptcy. He was respectful and helpful and quick and yet he took his time with us. We didn't feel rushed or pressured. Everything went exactly as he told us to expect. There were no surprises, just results. As bankruptcy goes, I have to assume that this was as pleasant as the experience could have been.
Yesterday, I was in contact with a former debtor who claims that they had no record of the debt discharge. I contacted Jeff this morning by email at 9:10 requesting proof of the discharge. At 9:17 I had a copy of the discharge in my inbox. I'm not kidding! 2 years after the deal was done it took him SEVEN MINUTES to solve my problem!
I really don't know that I've had better client service from any professional in any field anywhere. If you're unfortunate enough to need this kind of service, Jeff is absolutely the man to contact! We're very happy we chose him when we needed him.
|What people are saying about Jeff:|
Email is not always reliable.
If you do not receive a response within 24 hours,
call Jeff at 515-261-7526 or 1-800-997-1395.
4800 Mills Civic Parkway
West Des Moines, Iowa 50265
Toll Free: 1-800-997-1395
13 Tips for a Smooth Iowa Chapter 7 Bankruptcy
Keep it Simple. If you are under median income, as most of the people who need to file are, chances are you will have no problem getting a discharge as long your case is properly prepared. Be sure to consider all your income including overtime, child support any rental income etc. Take your gross household income (before taxes and deductions) for the past six months and double it, then compare it to the Iowa median income chart on this page.
It's all about documents now. Be sure to bring 60 days worth of pay stubs (if you receive pay stubs), your Federal and State tax forms (1040’s) and the other listed documents. Even solid cases are sometimes dismissed for lack of documents.
The more time you spend researching the more comfortable you will be. Time spent surfing around this site helps. The unknown stresses us the most.
The most common problem is recent credit card use. Courts do not like it when people load up on purchases/cash advances/balance transfers and then file bankruptcy. It makes the Judge cranky. Don't make the Judge cranky.
The second most common problem is defective pre-bankruptcy planning. Transferring property to someone else, titling a car in your sons name, taking money out of the bank and hiding it; these things are bad.
The best way to make sure you include all your bills is to have them neatly organized before coming in. We will enter each one in turn followed by collection agencies, if any. If you also have a master list you have prepared you can compare your list to the petition while in the office. It totally bums me out when people are stuck with bills that could easily have been listed and discharged if they had been better organized.
When we meet we will list all your property so we can claim it as exempt. You will be estimating values. For example, we will list the values of your furniture and appliances. We use market values meaning what you could sell it for. That means listing it on Craigslist or selling it at a garage sale. No need to stress over whether you could get $1,500 or $2,500 for your furniture and appliances. Just make the best estimates you can as we go.
Once you know you need to file, putting it off will only make things worse. The average client tells me they should have filed a year earlier, before they suffered through bank or wage garnishment, the stress of many sleepless nights and harassing creditor calls. When clients leave my office after we have prepared the petition for filing they are a different person, relaxed and looking forward to a smooth discharge.
You can't really bring too much paperwork to our meeting. If you are not sure if you need something, like a hard copy of your pre-filing certificate(s) bring it.
Don't feel like you have to set your appointment 30 days ahead, too much changes. Just wait until you have everything together and then email with the day you prefer, usually 7-10 days ahead is fine. Due to cancellations short notice is sometimes possible too.
Leave Early. In your bankruptcy as in other important events your life, leaving early, allowing time for traffic & construction and building in time to relax, use the restroom, and get a refreshment just before the meeting will reduce your stress.
Take full advantage of this opportunity. You can not file bankruptcy again for 8 years. Take a hard look at income and expenses. Many people keep homes or cars they cannot really afford and end up back in a financial hole again.
Email questions to Jeff before coming in. Especially if you are over median income or have something unusual about your case like owning a rental property or expecting an inheritance. It’s best to resolve questions early.
Also- Check Jeff's Iowa Bankruptcy Blog for the most recent postings and updates.
Whether due to job loss, illness, divorce or wages that simply do not keep up with increased cost of living, many individuals and families in Iowa find themselves in financial distress.
Constant phone calls, lawsuits, judgments, liens, wage and bank account garnishment, calls at work that can threaten your job security, foreclosure and eviction are all problems Iowa individuals and families find themselves in when overwhelmed with unmanageable debt.
Our Courts and Judges, the United States Trustee’s Office, the Panel Trustees, the Clerk of Court and your Attorney are all interested in assisting honest debtors in getting relief from burdensome debt, getting back on track financially, and planning a brighter financial future.
As a debtor taking advantage of this opportunity, you have an obligation to be completely truthful and cooperative with your attorney and in all other matters related to your case. You must fully and accurately disclose all of your assets, income and all claims you have against others and comply with all document or other requests of the Trustees. The success of my firm and my ability to continue to represent honest, well intended clients depends of my accepting only clients who will take a completely honest approach.
- Jeff Mathias
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
The stated fixed fees or range of fees will be available only to clients whose matters are encompassed within the described services. If the client's matters are not encompassed within the described services, or if an hourly fee rate is stated, the client is entitled, without obligation, to a specific written estimate of the fees likely to be charged.