Magic Wands and Bankruptcy Cases

My clients tell me all the time that just talking to me calms them down. I understand that it really takes a weight off of my clients’ shoulders to get their case filed. Just seeing a light at the end of the tunnel helps them sleep at night.  It helps to have someone looking out for you.  I get it! Once the case is filed, some clients think that life is back to normal. I wish it was so.

Dear Client, it is you who has the hard work to do.  I can’t get your paycheck stubs for you. Nor can anyone on my staff. We can’t get your credit reports without you there to answer questions. We can’t do your taxes for you. Nor can we go shopping with you to help you stay on your budget.  I don’t decide where you are going to live.  You do.

The reality is that you, dear client, will have to do the work.  I can’t make the payments for you. The Chapter 13 Trustee in Missouri was fond of saying that all of us in the system of bankruptcy, the attorneys and the Trustee’s staff, are just tools. We can be used to help you get where you want to go, but we can’t do it for you.  

If my magic wand could grant wishes then I would gladly give you all those things that you want. Sadly, my magic wand is broken … so no magic powers are available to change your life. I have wonderful news:  you can change your life. You may need to make new choices to get a different outcome … well Einstein said that the definition of insanity is continuing doing the same things and expecting a different outcome. 

You are in the driver’s seat in this process. Your plan payment is based on your life:  your income, your property, and your family.  This is wonderful news. We draft your plan to fit your life!  Now, that really comes as a shock to many people. But wouldn’t really rather have your life than anyone else’s life? I will continue to do my best to make my clients’ bankruptcy cases work for them.