Bankruptcy News

WSJ Reports- Bankruptcy Judge Sends a Message to Bank of America

Bank of America has been ordered to pay $10,000 per month for every month it continues to badger a couple to pay off a loan that was discharged in bankruptcy, in a ruling from a prominent judge who says he means to “send a message.” “This is not just a stupid mistake. This is a policy,” wrote Judge Robert Drain of the U.S. Bankruptcy Court in New York. “And frankly, $10,000.00 a month plus attorney’s fees may not mean much to Bank of America, but at least it will send a message that other attorneys may pick up on.” Judge Drain’s decision, memorialized in a written ruling issued Tuesday, documents a barrage of letters and phone calls attempting to collect the debt from Edwin and Michelle Ramos. Chapter 7 bankruptcy relieved them of the obligation to pay off their home loan while preserving the bank’s right to foreclose on its collateral. The calls and letters kept coming to the Ramoses, even after their attorney pointed out that their personal liability had been discharged in bankruptcy. The bank ignored him, he said, and, according to court records, failed to respond to Judge Drain until 10 days after he signed an order imposing sanctions on the lender. In a statement, Bank of America said it’s “resolving the issues with the court” and working with the homeowners “while we continue researching and investigating what transpired.” Judge Drain is not alone in his criticism of Bank of America. In March, U.S. Bankruptcy Court Judge Karen Jennemann in Orlando, Fla., fined the bank $220,000 for repeated violations of court orders involving a loan-modification arrangement. “The Debtors, even to this date, continue to receive statements from BOA claiming substantial additional payments due, erroneous payment amounts, inflated interest rates and incorrect loan type, and purporting to hold over $12,000 of the Debtors’ payments in ‘unapplied funds,’” Judge Jennemann wrote. When it came to the $227,000 home loan of Warren and Mary Houghland, the judge said it should be considered paid. The bank disputed the order, saying it was unfair, and earlier this year settled with the homeowners. Consumer bankruptcy attorneys say not much has improved in lender behavior in spite of promises that the alleged sins of the past won’t be repeated. Long after Bank of America signed on to a widely trumpeted $25 billion home lending industry consent decree requiring it to improve its treatment of borrowers, consumer attorney Thomas Cox of Maine says violations of specific requirements are “routine. I see them all the time.” Consumers with enough spare cash or savvy to hire a lawyer can prevail on lenders to make good on agreements to modify loans, Mr. Cox said. But they’re in the minority, he said. Most distressed consumers hoping for a loan modification are at the bank’s mercy. The consent decree advertised as the answer to industry practices that wrongly forced people out of their homes lacks an enforcement mechanism, Mr. Cox said. In the case of the discharged debt collection, the Ramoses had to not only hire a lawyer but also had to reopen their bankruptcy case. Last week, Bank of America agreed to stop the calls and letters except for informational notices that inform the Ramoses of what they have to do to hold onto their home. Chapter 7 bankruptcy absolved them of the obligation to pay the debt but preserved the bank’s lien on their property. “This is a national problem. It’s happening all over the place,” said New York attorney Michael Schwartz, who represented the Ramoses. “Why is BofA doing it? Because they can.” Article by Peg Brickley

This is only one of numerous violations and corrupt business seen lately by Bank of America… it’s time the bankruptcy attorneys start paying close attention to the FDPCA violations… it could be well worth the effort and beneficial to both counsel and client!

Do Attorneys Still Practice Law? Are Paralegals Now Practicing Law Instead?

Back in 1977 when I began working for law firms, there was no such thing as a paralegal.  Instead, we were called: legal secretaries.  This is because the attorney studied the law, looked up the law in their office law books and became their own law clerk.  In fact, the attorney learned every aspect of the field of law they chose to operate in and most of them enjoyed it.   By knowing the law they were able to advise their clients properly and write their own pleadings and briefs.  After writing or dictating their pleading or brief, this was given to a legal secretary and we typed out the legal document.  We did not practice law in any manner and we respected the attorney for his or her knowledge.

But in the mid-1980s some attorneys began assigning jobs to their legal secretaries that were similar to what a law clerk performs today.  The problem was that they did not raise their salary and continued to pay them a legal secretarial wage.  The legal secretaries revolted and developed the paralegal role; which was a higher paying position than a legal secretary.

I was one of the few who revolted against this concept.  I believed that attorneys should continue practicing law and legal secretaries should continue in their role and not practice law, but as you know, this is not what happened.  Instead the paralegal role was developed and today we have non-attorneys who are committing unauthorized practice of law, but it is disguised due to the fact the paralegal is employed by an attorney.

Over the years, a large segment of attorneys continued to get lazy.  Many of them depended on their non-attorney staff to know the law and keep them informed of any changes.  These types of attorneys lost the desire and the passion to know the law and practice it with a diligent effort to protect their clients and win their cases.  How do I know this?  I have worked for many of them and I see the increase of this behavior, especially in the bankruptcy field.

Prior to 2005, the bankruptcy field was filled with excellent attorneys who knew the bankruptcy law inside and out.  (I was trained by many of these attorneys.) If an attorney wanted to practice in the bankruptcy arena, he or she would work as a type of apprentice for one of these experienced bankruptcy attorneys and learn the bankruptcy law inside and out also.

But when rumors of the changes in the bankruptcy law began to surface, a large number of these experienced bankruptcy attorneys transitioned into another area of law.  You can look up arguments that attorneys published on the internet from that time period and you will see all the various reasons they opposed the new 2005 bankruptcy law.  Their arguments are too numerous to cover in this short article so I will leave the research to those who are interested in this particular topic.

However, the fact remains that when a large number of experienced bankruptcy attorneys left the field, this opened the field for many new attorneys who did not have this experience.  The number of bankruptcy cases did not stop; in fact, they increased.  And this increase caused many attorneys to open up practices and have little time to learn their bankruptcy laws.  Instead, a large number of them relied on their non-attorney staff to know this information which was the biggest mistake an attorney can make.

How do I know all this?  Not only have I worked in the legal field since 1977, but during the past 90 days I have came into contact with two bankruptcy attorneys who demanded that I know their specific state exemption codes in order to prepare their petitions.  When I argued that the attorney should practice law and know their own exemptions they became angry and fired me.  Both of these attorneys were young (under 40) and both of these attorneys were hard driven to make money, not practice law.

Personally, I find this situation very sad.  I hope that an experienced bankruptcy attorney will read this article and write other articles for legal magazines that stress the importance of why attorneys should practice law and not depend on their non-attorney staff to do the job for them.  Here are just a few of the problems that could develop for a law firm that bases their practice on these principles:

**  The attorney cannot possibly represent and advise their client properly.  Sure, they can make it appear to the client that they are knowledgeable in the law, but they will overlook loopholes that could benefit the client and loopholes the attorney does not take advantage of for their clients protection.

**  The attorney will show his or her ignorance of the law when they go to the 341 Meeting or interact with other attorneys who do know the law.  For example, bankruptcy trustees are very smart.  They process hundreds (perhaps thousands) of bankruptcy cases per year and they know the bankruptcy law inside and out.  A trustee can look at a bankruptcy petition and pick out the flaws.  When they question the attorney, they know from their response if they know the law or not.

Note:  I worked for one attorney who actually had a system of filing his petitions on certain days of the week so he could be assured of getting Trustees assigned to the case who did not give him a hard time.  In my opinion, if the attorney knew the bankruptcy law, he would not need to hand pick Trustees; he would be able to argue his clients case with any Trustee and gain a solid reputation in the court.

**  The attorney will lose the passion and feeling of accomplishment that occurs when they know the law.  There is no better feeling when you are trying to protect a client from wrongdoing by the opposing party and you find the loophole you need to win your case.   I have worked for attorneys like this, and they are so overjoyed and happy, we have had office parties to celebrate these victories.


If you are an attorney who depends on your non-attorney staff to know the law, stop this behavior now.  Join groups at your local bar association and mentor with experienced attorneys in your field who know the type of law you practice.  Seek them out, hang out with them, and study the law over and over again until you know it well.

If you are not an attorney, make sure you know the type of attorney you hire or work for.  One way to know this is to ask the attorney a series of questions.  If they cannot rapidly answer you (and need to make a call or consult with someone else to find the answer) be very leery of this attorney.

Perhaps in recognizing this problem and not tolerating this behavior from attorneys who choose not to practice law, the problem will not become so rampant in our society.  Thank you for doing your part.

Bankruptcy School Update

My Bankruptcy School was developed from the materials I created after traveling the country from 2004 to 2008.  Back in those days, I kept a suitcase packed at the front door and was leaving to do a seminar or set up a new law firm practice 2 or 3 times per month.  After training hundreds of attorneys, paralegals and virtual assistants, I took these same materials, updated them and developed the first online bankruptcy training school.

My Bankruptcy School is NOT a school that trains the law, but rather a school that trains attorneys, paralegals and virtual assistants how to prepare well-detailed Chapter 7 and 13 bankruptcy petitions.  For training in actual bankruptcy law, I highly recommend you check out the courses developed by Max Gardner at

My Bankruptcy School has now been updated to provide those on a tight budget with the ability to pay their school tuition in 3 installment payments. This helps you to get enrolled faster so you can learn the skills you need to:

** Reduce the need to amend pages of the petition after filing ** Reduce issues caused from inaccurate data ** Reduce issues with the Trustee at the 341 meeting due to poorly prepared petitions ** Create a better working environment for your law firm ** Provide paralegals and legal assistants with consistent training

To view the new 3 installment payment options, please visit:

Victoria Ring Certified Paralegal and Bankruptcy Petition Instructor

How to Increase Profits for Your Law Firm

The first question Victoria Ring receives from many attorneys is: “How can you increase profits for my law firm?” She answers this question by introducing them to the concept of utilizing virtual paralegals.  However, when attorneys learn that virtual paralegals charge a flat fee versus a “per hour” rate, the next question is: “Why can’t I hire someone to work in my office at a lower cost than hiring a virtual paralegal.” The answer follows:

What is the difference between a virtual bankruptcy assistant and a virtual paralegal?

A virtual bankruptcy assistant is an individual who has been trained to prepare bankruptcy petitions for attorneys. The majority has never worked inside a law firm and their experience and knowledge varies from person to person.

A virtual paralegal is a paralegal that has:

** Worked five (5) years or longer inside a law firm ** Obtained a Paralegal Certificate ** Is a member of good standing in their local chapter of the National Association of Paralegals chapter

Hiring an Employee Versus Hiring a Virtual Paralegal

An employee working in your law firm preparing bankruptcy petitions may do part of the work but you (or someone else) will always invest time in verifying and correcting their work; or work on the case in one form or another.  A virtual paralegal is a trained specialist.  You simply have the clients fill out the intake forms and 99% of the remaining work is done for you.  You receive a complete Chapter 7 or 13 petition ready to file along with an Attorney Case Summary that details any potential problems before you approve the case to be filed.  Your time per case is reduced to approximately 4 hours and this includes the 341 Meeting.  Unless the employee you hire is a specialist with many years of experience in bankruptcy, you will not receive the same efficiency from an employee working in your law firm compared to a virtual paralegal.

Example: Your attorney fee is $2,500.  Let’s suppose the virtual paralegal charges $500.  The time you invest in the average case is approximately 4 hours or less, including court appearances.  You profit $500 per hour. virtual paralegal charges are not sharing fees. Instead, virtual paralegals are considered to be outsourcers and are the same as paying a TRAINED PROFESSIONAL to work in your office.  No employee can net you this high of an hourly rate.

What do employees do in the law firm if they are not preparing petitions?

As you know, there are many more duties associated with debtor bankruptcy than the pre-petition workload.  If you have an established law firm, the addition of a qualified virtual paralegal will ease the tremendous workload on your present employees, prevent you from hiring additional employees and allow you time to concentrate on growing your law firm and increasing your profits.

Isn’t bankruptcy petition work simply filling out forms?

A common misconception that some attorneys have is that preparing a bankruptcy petition is simply filling out a set of government forms.  This may have been true in 1942 but this line of thinking is now so far from reality that I invite you to prove it to yourself.

Call up any debtor bankruptcy attorney and ask them how many deficiency notices they receive from the bankruptcy court when a petition is filed.  Also ask them how many Amendments they normally file to correct problems with forms and schedules after they are filed.  Finally, ask them how many Chapter 13 Plans are confirmed without several recommendations by the Trustee.

If you perform this exercise, you will hear many stories of frustration and despair.  However, most of these problems could have been avoided if the petition had been well-detailed, prepared and all the research performed before the petition was filed.

Back in 1999, a very intelligent attorney in Columbus, Ohio encountered this same frustration. He looked for a way to improve the consistency and quality of his bankruptcy petitions; so he tried an experiment.  By taking the bankruptcy petition work out of the law firm, the virtual paralegal was able to work without interruptions, conduct client intake interviews with clients when they were more relaxed at home and the preparation remained consistent throughout the process.

The attorney soon discovered that when he implemented this method, his profits increased, the paperwork was reduced in the office, clients were happier and more cooperative and the amount of phone calls diminished; plus the attorney had time to grow his business.

You should now begin to visualize the difference between utilizing the services of a virtual paralegal versus an employee preparing petitions.  On the surface, it may appear that you are paying more in the beginning but the huge benefits a virtual paralegal will make to your law firm bottom line cannot even be compared to an employee who is simply filling out forms in your office.

What are some additional benefits to hiring a virtual paralegal?

** Attorneys do not pay the standard overhead costs associated with hiring a full time or part-time employee. The virtual paralegal charges one flat fee just like the bankruptcy attorney does for petition work.

** Attorneys do not pay for services until they are satisfied with the quality of work produced by the virtual paralegal. There are no financial risks for the law firm.

** Other law firm personnel are freed up to work on more complex cases. It is a known fact that the typical employee preparing petitions in a law firm is interrupted several times. This makes the information on the bankruptcy petition to not be consistent and precise, resulting in errors, lost time and money.

** Attorneys eliminate their need to train new employees. Most virtual paralegals stay with the same attorney for many years. Not only does this increase efficiency with bankruptcy petitions, but the virtual paralegal gets to know the clients on a more personal level, are able to build a better relationship with the local bankruptcy court and the attorney which helps the attorney to build a more solid and reliable reputation.

** There are no standard overhead expenditures for the attorney (i.e., desk, chair, office supplies, software and employee downtime costs). Virtual paralegals already have established their own home office and use their own software programs because they are independent business owners.

** If the virtual paralegal is within driving distance of the attorney’s office, he or she may provide client intake interview services. By going to the office, meeting the client in person and reviewing the client intake forms they filled out, the virtual paralegal gains more knowledge of the case and can normally reduce the amount of time they spend on each petition. That is why no additional charge is made for an onsite client intake interview since it makes the job easier for the law firm, client and virtual paralegal.

** No office politics. Normally, the majority of time the only contact the attorney will have with the virtual paralegal is by email and telephone. This eliminates staff and employee conflicts which wastes time and costs the average law firm a great deal of money every year.

How to Get Started

Click here to download your free set of Client Intake Forms. Complete, step-by-step instructions are provided in the document you download. This document is in PDF format. If you do not have Adobe Acrobat,  click here and get your free reader

How are cram downs handled in your jurisdiction?

There have been a lot of conflicting stories regarding the treatment of mortgage cram downs and strip downs in the various bankruptcy courts.

Some attorneys have proposed cram downs on first mortgages and those Chapter 13 Plans have been confirmed.  Other attorneys have only been successful in proposing second mortgage cram downs but unable to do first mortgages.

Still, some attorneys are only able to propose cram downs for rental property while others only propose cram downs on primary residences.

In order to substantiate their success, attorneys I have spoken to refer to either Section 502 of the bankruptcy code or 11 USC 1322(b).

And because of all these variances, much confusion has developed.

I understand that the ability to cram down the first mortgage to the market value on the primary residence has passed the House of Representatives, it failed in the Senate.  However, I have spoken to attorneys who were able to get first mortgage cram downs approved in hardship situations.  (Note: The key word here is: hardship.)

Therefore, to help me with my research, I would sincerely appreciate you taking a moment and let me know how mortgage cram downs are handled in your jurisdiction.  I will accumulate the information and write a future article that contains a summary of my research.  Hopefully, together, we can determine the cause of this confusion and work in the best interest of protecting the debtor.

You can submit your response either by replying to this post or email your response privately to me at

Victoria Ring Chapter713Training.Com and

How To Add Chapter 7 and 13 Bankruptcy to Your Current Law Practice

I do not have to tell you about the problems with our economy. If your law firm has not been touched by the current recession, you at least know someone who has.  Now, you have the opportunity to add a much needed bankruptcy service to your current practice in order to assist your current clients in other ways.  And, because of limited funds, you need to be able to do with without spending much money in order to recoupe your investment in less than 30 days.

Believe it or not; this is all very possible.  In fact, my business partner, Victoria Ring, has now set up a total of 127 new bankruptcy law firms across the United States since 2006.  Some of these law firms are provided in the list of Attorney References at:


There are two different methods for you to consider if you should decide to expand your current law practice into the area of Chapter 7 and 13 bankruptcy law.

Method No.  1:

Enroll in the online school to learn how to set up your law firm, prepare the bankruptcy petition and market or merge your new bankruptcy practice into your current practice. For more information, visit:

Note: If you decide to enroll, type the COUPON CODE: MCN into the order form and instantly save $50.00 off your enrollment.

Method No. 2:

Hire a Virtual Bankruptcy Assistant (VBA) to perform all the work for you.  For the intake process, your job will be to meet with the clients, have them fill out the Client Intake Forms, gather up their documents and review the petition after it has been prepared by the VBA.  A good VBA can actually make you money.  For example, you charge $2,500 to a client for a Chapter 7 bankruptcy, pay the VBA $400 and earn a profit of $2,100 with only an investment of about three hours of your time.

If you are interested in utilizing this method, consider Kelly Thrasher, CEO of More Clients NOW!. You can contact her by phone at 317-370-5032 or view her online video at:


We invite you to explore the following links:

Have a wonderful week.

Summary of Meeting with Kelly Thrasher and Joan Miller

Kelly Thrasher, CEO of More Clients NOW, and her assistant, Joan Miller, flew to Denver from Indianapolis, Indiana on Monday, May 16, 2011.

Kelly is probably the best paralegal I know. She came out for a three day business meeting to discuss how we could work together for the expansion of My Bankruptcy School.

Kelly was first attracted to My Bankruptcy School when she did some research for training in the debtor bankruptcy field.  During her research she came across:

1.  Colorado Bankruptcy Training 2.  713Training.Com 3.  Morgan King Bankruptcy

Naturally, Kelly wanted to know the difference between the three, which is:


This company was founded in 2001 and developed by me (Victoria Ring) but I am NO LONGER associated with the company. The reason behind this separation was that I was forced to separate the attorneys/law firms from the VBAs (virtual bankruptcy assistants in 2009.)

VBAs are typically people who enter the industry with little or no legal training. Many have never worked in a law office. Back ion 2009, I found that when I held seminars, more attorneys were attending compared to VBAs. This forced me to revamp all my training materials to be geared more toward attorneys, paralegals and law firms, and sell the VBA-portion to a VBA who could more identify with their needs. That VBA was Clay Holland.

Since January 2010, 713Training.Com has been owned and managed by Clay Holland in Salt Lake City, Utah. The products that are sold by Clay have NOTHING to do with the current operations of my company, Colorado Bankruptcy Training; which was developed to provide training and support to attorneys, paralegals and law firms nationwide; not VBAs.

An agreement has been signed between our two companies so that Clay only sells his products and services to VBAs. My company only sells its products and services to attorneys, paralegals and law firms.  At the present time, my products and services are updated on a weekly basis and comply with all new, updated bankruptcy court procedures. Clay has assured me that he would be updating the materials for 713Training.Com in the near future.

Morgan King Bankruptcy

Many people confuse the two names: Victoria Ring and Morgan King; but I have never met Mr King and he lives over 1,200 miles away from me.  I understand that Mr King provides training for attorneys and law firms also. However, I have never reviewed his products or conducted any business with him; so I do not know the man well enough to provide any comment regarding his training materials.

Colorado Bankruptcy Training

In order to prevent further confusion by people who think my company: Colorado Bankruptcy Training only provides services to Colorado attorneys, I have secured the following three new domains:

I take all the blame for making this mistake in naming my company Colorado Bankruptcy Training when I separated the two fields: attorneys from VBAs. Hopefully you can learn from my mistake if you are ever faced with this type of business decision. If your product and service are not state specific, do not place a state name in the name of your company.


* Kelly physically saw my operations, worked with me and discussed many business ideas. We have taken positive steps to improving My Bankruptcy School and the results of our efforts will be demonstrated in the coming months.

* Further information regarding the differences between Chapter 7 and 13 Training and the other companies publishing bankruptcy training information will continue to be published. This article being the first for public education so they can make a better informed purchasing decision.

* Kelly will be providing Credit Report Repair services for law firms.  More details about this unique and excellent service will be provided in a separate article. Or contact Kelly through her website at:

* Several new packages will be developed for students of My Bankruptcy School. These packages will enable attorneys and law firms to personalize training options to suit their specific needs. More details about this will be announced within the next few days.

* Better public information regarding the cost of enrollment in My Bankruptcy School. The Chapter 7 course is $425; the Chapter 13 course $350; and the Chapter 7 and 13 course is only $725. The full cost of the course will more than pay for itself with the FIRST petition. This makes My Bankruptcy School one of the best investments for attorneys, paralegals and law firms nationwide. For more information, visit:


New Bankruptcy Law Firm Opened

Michael Burstein and Debora Golshani (two attorneys who currently operate an Estate Planning practice) decided to open up a new Chapter 7 and 13 practice in the Central District of California. It was an honor that they chose Colorado Bankruptcy Training (CBT) to help them establish their new practice and you can find out more about them at: Phone: 310-391-1311

Michael and Debora flew from Los Angeles to Denver, rented a car and drove to Colorado Springs on April 21. They obtained a suite at the Hyatt so that I could train them at their hotel on April 22 and 23.

All law firms who decide to train through CBT, receive 30 days of free access to My Bankruptcy School. I do this so that the attorney can benefit from the best of both worlds. Instead of spending our training time concentrating solely on how to prepare a petition (which can be obtained online) I am able to cover much more during the training period.

We began the first day of training by establishing a clear set of operational procedures. We covered a wide range of ideas, as well as tips and techniques used by other attorneys I have trained over the years. In addition we covered the court process for both Chapter 7s and 13s, as well as how to utilize Motions, Answers and Amendments as well as how to avoid many problems which are normally caused by the inaccuracy of the petition itself.

One thing I always include in my training is to show attorneys how to cross-reference information provided by the clients with the petition in order to maintain accuracy and reduce issues. This way, an attorney should know of any possible Objections that could occur BEFORE the petition is filed. The goal is for the petition to be as near perfect as possible and to eliminate any issues with the Trustee, which delay the petition process.

On Saturday, April 23 Michael, Debora and I spent the majority of time performing extensive case analysis.  We trained on PACER and I walked them through several Chapter 7s and 13s.  We also analyzed the various pleadings in open and closed cases and determined how these problems could be eliminated.

Although Michael Burstein does not have his bankruptcy law firm website online at the time of the writing of this article, I wanted to announce the news to the subscribers and LinkedIn members as soon as possible. Join me in congratulating Michael Burstein in the opening of his new bankruptcy practice.

Training References to Help Your Law Firm:

Colorado Bankruptcy Training offers a free, unique ebook titled: The Bankruptcy Attorney Start-Up Kit at:

For additional training and support options, visit:

Online Training

Training in Colorado

Training at Your Law Firm

Legal Web Design


New Bankruptcy Pleading Template Forms

In the past, attorneys visited websites like RocketLawyer, US Legal Forms and a variety of other places to obtain legal forms. This method is fine if you are looking for real estate, power of attorney and employment forms; but what happens if you need a Motion for Relief from Stay?

To solve this problem attorneys often pay $100s of dollars for books and CDs of legal pleadings they can personalize on their computer. Other attorneys obtain forms from the court; while others download them from PACER and then edit the form in Adobe Acrobat.  In fact, I have seen attorneys sit down and actually spend hours retyping the forms into their computer; which costs them a great deal of time and money.

I have a better solution:

Over the past several months I have been putting together bankruptcy forms specifically to benefit the BANKRUPTCY ATTORNEY. To date I have 62 bankruptcy pleadings, which include the Motion for Relief from Stay, Motion to Convert, Amendments to Schedules, Agreed Orders and even Letters to Send to the Creditor and Payroll Department for Wage Garnishments.  You can view the entire list at:

Bankruptcy Pleading Packages

In addition, I put together five (5) different package combos that all bankruptcy attorneys need. One of these packages include the popular Mortgage Cramdown Documents that were provided to us by the Chapter 13 Trustee for the Central District of California.  If cramdowns are permitted in your state, you will want to make sure you get this package.  You can view the entire list at:


I would appreciate your support for the hundreds of hours I invested in this project. I truly believe these bankruptcy pleading templates (in DOC format) will benefit bankruptcy attorneys nationwide and I ask that you also share this information with other attorneys in your circle.

Have a wonderful week!

Victoria Ring Colorado Bankruptcy Training


Good Resources for Bankruptcy Law Firms


Kelly Thrasher More Clients NOW Phone: 317-370-5032


Stuart Groten Certified General Appraiser Phone: 805-553-9562 NETWORK WITH BANKRUPTCY ATTORNEYS

Karen Fairchild

Marc Mathys and Doug Miche Complete List:


Bankruptcy Attorney Start-Up Kit

Internet Tools for Law Firms

Free Bankruptcy Training Videos

Tools to Start Your Law Firm

Client PreQualification Screen Form


Attorney Marketing Links

Add Your Website to Our Free Directory

This information is provided to you by Victoria Ring, CEO of Colorado Bankruptcy Training. Please call us at 719-375-1504 if we can help your law firm. We work hard to earn and keep your business.