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Iowa Bankruptcy Lawyer : Paul Gandy  Iowa Bankruptcy Attorney, Gandy Law Offices : Iowa Bankruptcy, Fairfield Iowa Bankruptcy Lawyer, Bankruptcy Attorneys contact results methods about us get started now home

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National Association of Consumer Bankruptcy Attorneys
Member, National Association
of Consumer Bankruptcy Attorneys


Member, National Association
of Consumer Advocates

Fairfield Iowa Bankruptcy Attorney


The procedure of bankruptcy is straightforward at GANDY LAW OFFICES, P.C. It's a logical five step process.

You will have our undivided professional attention each step of the way.

  1. The first step is an Initial Consultation, "IC" for short, with Attorney Gandy, in person or over the phone. In that consultation we will review your financial situation and give you sound, competent advice on what are your options. Even if together we decide that a bankruptcy fresh start isn't the right thing for you, we will point you in the right direction. If you decide that getting a fresh start through the bankruptcy process is the right choice for your situation, then we will quote you a very reasonable standard fee based on how we understand your situation. One thing is for sure-- you're guaranteed to end up with more insight about your situation than you had when you started.

  2. The second step is an information gathering appointment, sometimes called a Questionnaire Setup, or "QS" for short. You will meet with one of our lawyers or legal assistants, again over the phone or in person, who will go over a Fresh Start Worksheet with you and work with you to fill out our copy of the worksheet. This Fresh Start Worksheet asks you for all of the information we will need to file a Bankruptcy Petition with the Bankruptcy Court. We can also accomplish this information gathering step by mailing you the Fresh Start Worksheet and going over it with you by telephone. You can feel free to call us with any questions in going through it.

  3. The third optional step is to gather any additional information needed for the Fresh Start Worksheet and to go over it again with us to make sure it is all complete and correct. We sometimes call this step a Questionnaire Review, or "QR" for short. Usually, we can combine steps 2 and 3 together, but it is sometimes helpful to have this second chance to pull all the information together and double check that it is accurate. Again, we can also accomplish this step in person or by telephone.

  4. The fourth step is what we call the Final Signing, or "FS" for short. The name of the appointment is fairly explanatory as to what it is all about. The final signing is held when all of the information has been gathered from you and your balance owed to Gandy Law Offices is paid in full. In this step you will review the Bankruptcy Petition that is to be sent for filing to the United States Bankruptcy Court. As the petition is prepared in the meeting, we will also prepare and guide you on the process that will be taking place from filing the petition to when your case is closed. By the end of the Final Signing, you should have a good idea of what's going to happen next, when it is going to happen and why. This meeting should end with you feeling a whole lot lighter and less stressed.

  5. The fifth and usually final step in the five step process is for you to attend a meeting of creditors at the federal hearing location to which you are assigned. (See the Iowa Map here). After this step, if everything goes smoothly, all you have to do is wait (around 60 days) to receive a court order in the mail saying that your dischargeable debts have been forgiven. The meeting of creditors will happen about 20-40 days from the date we file your Petition with the Court. It is a very short hearing usually lasting 5 to 10 minutes. (However, you need to plan on being there for up to an hour while you wait your turn.) Bankruptcy is a federal proceeding that cannot be filed in local Iowa District courts at the county level. That is why you need to go to your hearing location. We can provide directions for each location and we will be happy to tell you how to get there. Usually, your creditors will not bother to send representatives to this meeting. Usually, you will simply answer a few questions and go home! Even so, you can count on the fact that Gandy Law Offices will have one of our associate lawyers there to represent you at the meeting.

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"You guys rock" -- L.K.

"I'd stand on my head for you guys, but I'd look silly doing it." -- P.G.

"Now, I can sleep tonight" -- R.C.

"If you need the help, Gandy's the one to go to." -- P.G.

"Thanks again for helping us out. You all treated us like people, not criminals." -- G.G. & B.G

"You really go to bat for your clients." -- M.H.

"The knot in my stomach is gone." -- K.G.

"Freedom is amazing, we can answer the phone again and actually have money in the bank." -- K.

"I thought your service was excellent. I felt so badly about having to take bankruptcy and so nervous, but your staff helped me feel at ease and were so understanding and helpful. Thank you." -- P.B.

"You are wonderful people, very helpful & friendly! We have a new lease on life!!" -- S. & J. R.

"Excellent service, never felt uncomfortable with subject." -- R.R.

"This was a very hard decision for us, your office made it go smoothly & easy. Thank you." -- G.B.

"Everything was explained so that I understood which made me feel at ease with the staff. Thank you so much for the fresh start." -- A.S.

"Personnel was very courteous, helpful, cordial & looking out for my best interests. I would highly recommend GANDY LAW OFFICES to anyone" -- V.F.

"I was very pleased and relieved to have an honest and outstanding firm as yours. I have had a couple of bad experiences in the past - Thank you very much" -- R.H.

"I think you folks were great. I could hardly believe how easy and smooth it all went. Keep up the good work." -- D.S.

"Professional, yet caring." -- B.H.

"I wish everyone who was suffering financially like I was would find out how easy it is to get out of the mess they're in." -- Anonymous

"Thank you for your guidance and legal assistance. You did a very good job of keeping me informed." -- M.S.

"I was very pleased with Mr. Gandy and staff, and would recommend your law firm." -- C.S.

"Your service was great. An enormous weight has been lifted." -- R.F.

"... thanks for getting me through a very difficult time. I went to court much better prepared than others represented by other firms." -- S.J.

"Deciding to file bankruptcy was hard & I was embarrassed about it. But coming to your office and being treated with respect... it made the whole experience a lot easier, and more pleasant then I imagined it would be." -- Anonymous

"... You took our stress and made life better for us with a new beginning." -- P.H.

"I am glad I chose your firm." -- D.L.

"When I first came into your office, I was so down on myself and truly felt like a failure, but now I am really at peace with myself, and I have started a new life. I owe it all to you, Mr. Gandy, and your wonderful, caring staff." -- G.S.

"The service was wonderful." -- B.H.

"I just want to thank you for all your kindness and help in this matter! You and your staff were so kind, considerate and helpful... You really made me feel at ease about the whole process." -- S.N.

"You all rock!" -- K.

"I was VERY satisfied with your personnel and the way you guys handled everything for me." -- R.O.

"Keep up the good work and thank you very much." -- M.A.

"[You] made us feel like family... We weren't made to feel embarrassed about our decision." -- T.T.

And a very special story was shared to us by one of our valued clients:
"My true feelings about the Gandy Law firm:
I prayed for guidance how to get those bills paid. I was looking in the stand for something and the telephone directory fell out and opened to the yellow pages with the Gandy ad showing. After reading the ad I sat there wondering 'could they be the one's to help me?' My inner thoughts told me 'sure, give them a call and see what happens.'
Well, the rest is history... I'm so grateful to all of you. You people seemed concerned about my health, about me climbing those steps [to the office]. I want you to know since the burden has been lifted from me, my health has gotten better." -- H.B.

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Iowa Bankruptcy Lawyer : Paul Gandy  Iowa Bankruptcy Attorney, Gandy Law Offices : Iowa Bankruptcy, Fairfield Iowa Bankruptcy Lawyer, Bankruptcy Attorneys
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Iowa Bankruptcy Attorney Gandy and his staff strive to be both competent and caring.
We are never judgmental of clients and truly understand the problems they are facing. We want to be of help. We have walked a mile in your shoes.

Iowa Bankruptcy Lawyer : Paul Gandy  Iowa Bankruptcy Attorney, Gandy Law Offices : Iowa Bankruptcy, Fairfield Iowa Bankruptcy Lawyer, Bankruptcy Attorneys
Attorney Gandy has been Board Certified in Consumer Bankruptcy Law since 1998
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You may be considering having GANDY LAW OFFICES, P.C. represent you in getting a fresh start for you and your family by using the bankruptcy process.
Please know that the GANDY LAW OFFICES team will work very hard to do an excellent job for you.

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GANDY LAW OFFICES, P.C. is a qualified law firm proudly designated as a federal debt relief agency by an Act of Congress and the President of the United States. Since 1991, we have been assisting families, individuals, and small businesses in obtaining financial relief, eliminating burdensome debt, and getting a fresh start under the US Bankruptcy Code. 11 USC § 528 (a) (4).|
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