Why File with Fox?

We realize you have a lot of options when it comes to filing bankruptcy. You could file on your own or go with another firm. We're better than either of those options and we’re eager to tell you why.

Are you the kind of person who would pack your own parachute?

If you’re considering bankruptcy because of unmanageable real estate debt and you’re considering filing on your own in order to save money, you’re being penny wise and pound foolish. At The Fox Law Office, our services can start paying for themselves the same day you meet us. The benefit doesn’t end there, however. We can help you plan your bankruptcy so that you preserve as much property as you’re allowed under the law. You would be amazed how many people fail to plan and end up losing thousands of dollars that they could have kept.

If you’re still considering filing on your own, you’re also an exceptionally brave person. You have probably researched various online sources of information (there are thousands). You’re probably also aware of some of the guides written to help people file on their own. The do-it-yourself approach is just fine for people whose financial situation is very simple because they have little in the way of income or property.

Unfortunately, the situation is quite different when real estate debt (or almost any other complication) is involved. Here’s a simple example. If your home is in foreclosure, most people know that the bankruptcy automatic stay will halt the foreclosure in its tracks. What a lot of people don’t know, however, is that lenders often ask the court, by filing a document called a motion, to lift the stay in order to proceed with the foreclosure. If you don’t want that to happen, you must oppose the motion. Do you know what arguments you could raise or the proper way to raise them? Very few non-attorneys do. The rules governing such a motion come from numerous sources, such as statutes, case law, the federal rules of bankruptcy procedure, the bankruptcy court’s local rules, and even the individual judges often have their own rules. Not long ago, we reviewed the leading do-it-yourself bankruptcy guide’s discussion of motions to lift the stay. The entire discussion filled one half of one page.You’re in a lot of trouble if you’re depending on that half page to save your home.

The point is, if you file on your own there’s a good chance that decision could cost you a lot more than the amount you save on the attorney fee. The do-it-yourself approach is fine for people who do not have much income or assets (in actuality, filing bankruptcy at all is often not the best choice for these people). For people whose bankruptcy will be complicated by unmanageable real estate debt (or nearly anything else), that approach is full of potential pitfalls. Give yourself peace of mind and let The Fox Law Office handle those issues for you.

Get the “insider’s edge” with Fox

You probably have looked through several other websites prior to your visit here. In our experience, law firms offering bankruptcy services typically fall into three categories. The first of these we'll call the petition mill. These folks are about quantity, not quality. In their minds, success is measured by how many filings they process in a given month, and not by obtaining the best possible outcomes for their clients. They have neither the time nor the inclination to evaluate all your options in order to find the one that is best for you.

The second type of law office is the jack-of-all-trades. These guys are happy to tell you about their bankruptcy services…and their criminal defense, divorce, employment law, and personal injury practices. Not to say these attorneys aren't motivated and intelligent people, they're just trying to be everything to everybody, and it's usually the client who suffers from this approach. With all the hats these attorneys wear, it's next to impossible for them to keep up-to-date on the ever-changing world of bankruptcy and foreclosure law.

The third type of firm is “the big guys.” These law offices tackle complex corporate bankruptcies with teams of lawyers. They may do a great job for their multimillion-dollar business clients, but how much time and attention can they give to their individual clients? Not as much as you need, expect, or deserve.

All of these competitors suffer from a lack of focus. The Fox Law Office is the only firm we know of in the San Jose area that focuses its practice on clients facing bankruptcy because of real estate debt. These bankruptcies involve representing two kinds of clients: those who wish to keep their property, and those who can no longer afford to keep paying on their underwater mortgage. No matter what your circumstances, the issues of whether to file bankruptcy, under what chapter you should file, and when you should file involve the thoughtful balance of many factors. In all cases, we believe a cookie-cutter approach to advising clients is never satisfactory. John has years of experience in the mortgage industry and he has the financial background to help you explore all your options. Filing bankruptcy is never a pleasant experience; why not get the best possible outcome you can from it?

Finally, John has experience in the rough and tumble world of litigation. When the going gets tough, he has the tenacity to fight for your rights and advocate on your behalf. A lot of the other guys don’t. Bankruptcy proceedings tend to be less adversarial than a lot of other cases, so if a contentious issue does arise, a lot of bankruptcy attorneys don’t have the inclination or experience to roll up their sleeves and stand up for your rights. If your case runs into any “bumps in the road,” you need an aggressive ally on your side.

We believe that The Fox Law Office is your best option if you’re facing bankruptcy because of real estate debt and we want to prove it to you. Always keep in mind that adequate planning is the key to getting the best outcome from bankruptcy. The earlier you contact us, the more we can do for you. Call us today at (888) 576-2285 to schedule your free, no strings attached consultation and get on the road to your fresh start. We look forward to traveling that road with you.