I keep getting these phone calls. Yesterday morning was the second time this week. They come in from several sources which are outside Minnesota, and perhaps outside the US. Friday morning’s call sounded like a guy from India. They start by asking if I am still accepting new cases, which of course is a yes. Then they say they have clients in Minnesota who need my help. After carrying on and trying to white wash what they are really up to for a few more minutes, it always turns out that they have some sort of an on line bankruptcy generating factory. They want to put my name on their work and have me file it for them here in the Minnesota district of the federal bankruptcy court. <\/p>\n
In other words these are entirely on line bankruptcy filing services which never meet face to face with their clients. I strongly suspect that they never even speak with them on the phone either, but that they rely entirely on fill in the blanks forms submitted by their “clients.” I use forms too, but I can’t remember a client who understood all the questions; and I consider the forms to be just the starting point in what is going to be an intense and face-to-face process.<\/p>\n
Bankruptcy is a process regulated by federal law. This should not be taken to mean, however, that it is exactly the same and entirely uniform all over the US. There are tremendous variations in what law applies and in how the laws are interpreted from state to state, and there are even variations with the states. There are subtle differences, for example, between how things are done in Minneapolis as compared to how it goes in St. Paul. You don’t want to be relying on someone who is not from here and hasn’t even been here.<\/p>\n