COVID-19 Terms and Conditions


Special Coronavirus Terms and Conditions

For our Maricopa County and Yavapai County clients who are experiencing financial hardship as a result of the nationwide circumstances, we at Brand and Associates, PLLC are immediately instituting new policies and terms applicable to representation in bankruptcy proceedings in the United States Bankruptcy Court, District of Arizona, until further notice. These policies are intended to protect our clients from fear of physical illness within the guidelines of the State of Arizona, and the Federal Government. You may now take action to resolve your financial stress without speculating whether it is possible under current conditions.

All future meetings with our clients will be conducted by video conferencing using software available from ZOOM.US. You may download a free version of the software to operate on your desktop or laptop computer using the link below. Should you rely on a smartphone or tablet, you can obtain the same software by apps available for IOS at the Apple Store, and for Android at the Google Play Store, on your devices. We ask that you first call us to discuss whether you are a candidate for bankruptcy in a free telephone conference. If you qualify and elect to go forward, we will email you the documents necessary to begin the process, and we will set appointments for a video conference, sending you a link by email, which you need only click to join the conference. You need not be bothered by starting a conference. We are here to assist you at every stage. Following the first video conference, we will advise and guide you through the future video processes. Note also that the Bankruptcy Court and the U.S. Trustee’s Office have adopted procedures whereby you can call in and attend your First Meeting of Creditors without the need to personally appear, as was previously required.

Brand and Associates, PLLC also will cooperate with all of our clients in establishing arrangements for payment of a part of the $1500-$2000 fee for a typical fixed fee in a Chapter 7 bankruptcy, or the $3500 to $4500 fixed fee in a Chapter 13 bankruptcy. Balances can be paid before filing when convenient for you, together with a $313 or $338 filing fee.

If a client finds it impossible to comply with the above arrangements and needs a bankruptcy without delay, we do offer terms payments using a bifurcated fee and contractual arrangement now acceptable to the Bar and Court. This requires multi contracts and additional meetings, and therefore the total cost is increased, but the balance is payable over 11 to 12 months. If you find yourself unable to keep up with debt because of unexpected loss of work or furloughs, this method of paying fees may be your answer to financial stress and gaining a fresh start.

Call us and we can discuss all of the above possibilities and construct a plan workable for your circumstances.