At the Packard Law Firm, I’m in charge of the bankruptcy department. Our goal is simple: to help families and individuals keep their home and transportation so they can get back to the business of living their lives. Some things we purchase aren’t frivolous. When we purchase a home and purchase a vehicle and finance that purchase, those kinds of things are necessary for a reasonable level of dignity — especially if the family has children or teenagers. Those kids need to know they have a roof over their head and their parents have transportation to go to and from work. They are much more likely to succeed in life if those basic essentials are taken care of. What my passion is, is to help construct Chapter 13 plans of reorganization that make that a possibility for families who have fallen on hard times.
I think families ought to pay back their bills, if they can reasonably afford to do so. But what do you do when they are in a hole they can’t get out of? Do you really expect them to be there for the rest of their lives? What if they can’t even make the minimum payments on the credit card?
The bankruptcy code is specifically designed to give people a fresh start as long as they aren’t trying to cheat the system, lie, or defraud their creditors. Sometimes people need to file bankruptcy; sometimes, they don’t. But what they always need is someone who will listen to them without judging them. I try really hard to do that.