The Short Answer
Your free bankruptcy consultation at Duncan Law is a private, no-pressure conversation about your financial situation — not a sales pitch. We'll review your income, debts, and assets to figure out whether Chapter 7 or Chapter 13 makes sense for you. You'll leave with a clear picture of your options and what filing would actually look like in your specific case. There's no obligation, and nothing you share leaves the room.
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Key Takeaways
- The consultation is completely free and confidential — you won't be pressured into anything
- We review your actual numbers: income, monthly expenses, what you owe, and what you own
- By the end of the meeting, you'll know whether Chapter 7 or Chapter 13 is likely the better fit for your situation
- We explain exactly what happens after you file, including what the automatic stay does and what to expect at the 341 Meeting of Creditors
- You can bring a spouse, partner, or support person — joint consultations are welcome and often helpful
- Walking in the door does not mean you've committed to filing — it just means you're getting informed
Attorney Insight
The mistake I see most often is people waiting months — sometimes years — to come in because they assume the consultation will feel like a hard sell or that they're already too far gone to be helped. In reality, the first meeting is where we slow everything down and look at the full picture together. I've had clients walk in convinced they needed Chapter 13 who actually qualified for a simpler Chapter 7, and vice versa — those distinctions matter enormously for how long you're in the process and what you keep. Coming in early, before a foreclosure sale date or a judgment gets entered, almost always gives us more options to work with.
