Introducing: "$O Money-Down" Bankruptcy

Need to file bankruptcy...or think you might...
but think you can't afford to file bankruptcy?

We figured it out!

Introducing "$O Money-Down" Bankruptcy.

That’s right...for at least the next month...we are offering to get your bankruptcy case filed for "$O Money-Down" Bankruptcy*  No "up-front fees.  No "up-front" costs.  

We even advance the $315 in Court Costs, so you don't have to.

 If you qualify*** (and lots of people can), your case gets filed for "$O Money-Down". 

Why pay more when you can get the same help for $O Money-Down?

This is a "brand-new", one-of-a-kind program.  As far as we know, we are the first law firm in the United States to offer "$O Money-Down".

So, if you think you may need to file bankruptcy anyway, why not get filed for "O Money-Down"?

This offer is so good, and so unique that we expect our appointments will fill up almost immediately.

So, if you want to see if you qualify for our "$O Money-Down" bankruptcy plan, and don't want to miss out, you need to call now.****

Day or night, night or day, you can make your appointment.  We have people manning our phones and ready to set you up with one of our FREE INITIAL CONSULTATIONS, 24  hours a day, 7 days a week.****

John Orcutt’s initial consultations are always FREE.  Privacy and confidentiality are top priorities, so you can feel safe talking to us. 

Night or day, day or night, 24/7, pick up the phone and call toll free:

1-800-899-1414

Don't want to wait as long as it takes to pick up the phone? No problem. You can set your own FREE consultation RIGHT NOW using our exclusive "online" appointment scheduler.  Just click on this button:

In 5 quick steps, you will have your appointment. (NOTE: You must be a resident of North Carolina. We have offices in Cary, Raleigh, Durham, Fayetteville, Wilson and Greensboro.)

Don't see an appointment you like? 

No problem.  Just call 1-800-899-1414 .  Operators are standing by.

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Ok, let's move on and tell you more about our brand new "$O Money-Down" plan.

There are 2 types of consumer bankruptcies, one filed under Chapter 7 of the U.S. Bankruptcy Code  and one filed under Chapter 13.  "$O Money-Down" pulls on the power of Chapter 13.

Normally, in our office, filing under Chapter 13 would require a payment of $528 "up-front"...or more...to get your bankruptcy case filed.  That is, normally we get "up-front" at least $200 of the attorney fee, plus the $274 Court Filing Fee, plus the $34 Credit Counseling Certification fee, plus $20 for obtaining your credit reports, plus a Pacer Access fee of $10, for a total of $538.  Some attorneys charge even more "up-front".

And, for as great as a filing under Chapter 7 can be in the right circumstances, the law requires that attorneys collect ALL their fees and ALL the costs "up-front".  The problem is that, with regard to a filing under Chapter 7, this can require "up-front" payments of anywhere from $1,300 to $3,500 or more, depending upon the facts involved.

But times are tough and we want to help.

That's why, at least the next month, with us, you can get filed for "$O Money-Down"  (see *** below for qualifications).

That’s right, zero. When we say "zero", we mean zero.

We have had so many people in to see us, people desperate to get out of debt and back on their feet, people who could easily afford a Chapter 13 plan payment, if only they could come up with the "up-front" money to get started.

The problem is that many of these people can't come up with the normal "up-front" money for a whole host of reasons.  

So, I got to thinking.  These people need the kind of help that only filing bankruptcy can provide.  But, they're leaving our office and not filing and not getting the help they need...simply because they can't come up with the "up-front" costs that have to be paid.

I said: "This has got to change.  There has got to be a solution. And, I've got to find it.  These are good, hard-working people, just like me, and we need to somehow figure out how to help them. They'd help me if my family was in trouble. I've got to figure this out."

I mean: "What good is filing bankruptcy, if you have to come up with a whole bunch of money up-front.  If you had a whole bunch of money,  you wouldn't need to file bankruptcy."

Right?

So, I sat down, thought hard on it, talked to a lot of people, Judges, Trustees, attorneys, staff and others and even prayed about it.  And, this is what I came up with: 

The birth of the "$O Money-Down" plan.

My staff thinks I'm crazy. Why? 

Because to do "$O Money-Down", I have to "advance", that is actually reach into my pocket and pay, on your behalf, all the "up-front" costs of your filing, including the $274 Court filing fee, the $34 Credit Counseling certificate and the costs of getting your credit reports at $10 each.

It scares me to think about it.  I've agreed to spend over $300 of my money just to make sure you get the help you need.   But, crazy or not, I'm going to do it. 

Why?  Because I'm in the business of helping people get the "fresh start" that only filing bankruptcy can provide, and because I hate turning people  away just because they can't come up with the "up-front" costs that have to be paid.  And, because, in this horrific economy, if you don't help each other, who else is going to help?

So, if filing bankruptcy is right for you and you qualify for "$O Money-Down", I will  advance (which means "pay on your behalf")  all your "up-front" costs myself. **      (See *** below for the "O Money-Down plan qualifications.)

You see I know something you don't.  I know how all the "amazing" things the bankruptcy laws can do for you, and I don't want you and your family to miss out.

I know that if I can get rid of your worry about the "up-front" costs and get you in here, hopefully, you will make your FREE Consultation Appointment and come in, and then we will get a chance to show you the "truth hidden in plain sight", the truth about how powerful the bankruptcy laws are.  If I can get you in here, we will get the chance to break through all the untrue "junk" you have always heard about bankruptcy, junk that most people believe, junk that is simply NOT TRUE.

Ultimately, all we want is for you and your family to get the help and protection you deserve, help and protection that, if it's right for you, is available RIGHT NOW. 

Maybe filing bankruptcy is right for you, and maybe not.

The bottom line is this:

If you need to file bankruptcy anyway...
why not get filed for "$O Money-Down"?

What's more, you can find out all about bankruptcy, how it works, what it means and, most important of all, what it can do for you...FOR FREE. Why?  Unlike some law offices, our initial consultations are ALWAYS FREE.  FREE, no-strings attached and completely confidential. 

And, if filing bankruptcy is right for you, and if you qualify, you can get filed for "$O Money-Down" .

It doesn't get any better than that.

So, give us a try.

Finally, a solution.  Get the bankruptcy help and protection you need and pay "$O Money-Down" . With the lightest of touch really, just some paperwork properly prepared and properly filed, you can automatically and immediately change your world. You can:

Stop repossessions.
          Stop foreclosures.
                     Stop lawsuits.
                               Lower payments on some debts.
                                            And make many debts just go away.

Clients...people just like you...do it all the time.  And that's just the beginning, a "taste", so to speak, of all the amazing and life-changing things that you can achieve by filing bankruptcy.*

Naturally, results will vary depending upon your particular situation, and when you come in, we will go over all that and lay out exactly what filing bankruptcy can do for you.   But, for right now...

Don’t wait. Call now.

And, please, please, keep in mind that we only have a limited number of appointments available. 

Like any business, we only have just so many staff.  So, there are only just so many people, just like you, that we can help.

So, don't wait. Call now and make your appointment. 

Our initial consultations are always FREE.  And since privacy and confidentiality are top priorities, you can feel safe talking to us. 

Night or day, day or night, 24/7, pick up the phone and call toll free:

1-800-899-1414

Don't want to wait even as long as it takes to pick up the phone? No problem. You can set your own FREE consultation using our exclusive "online" appointment scheduler. Just click on this button:

In 5 quick steps, you will have your appointment. (NOTE: You must be a resident of North Carolina.  We have offices in Durham, Raleigh, Cary, Fayetteville, Lumberton and Wilson.)

Call us, make your appointment and come see us.  See if you qualify for a "$O Money-Down" filing.

*         Assumes filing under and qualification for Chapter 13 case.
**    Costs advanced will be added to the Chapter 13 plan for reimbursement.
***  Qualifications:  (1) You own not more than a total of $2,000 in stocks, bonds, cash, banks or investment accounts (not including money in "qualified" retirements plans);  (2) You have steady, dependable,  income sufficient to pay the required monthly Chapter 13 plan payment (in addition to your normal monthly living expenses);  (3) You are less than 6 months behind on the mortgages you owe on any and all real property you want to keep;  (4) There are no foreclosure sales scheduled to take place in the next 30 days with espect to any and all real property you own and intend to keep;  (5) You owe our law firm no money on a prior "dismissed" Chapter 13 case; and  (6) You sign up with us before this "$O Money-Offer" expires.
****Unless we agreed otherwise, "$O Money-Down" shall only apply for initial consultations conducted on or after 7/5/11.