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Des Moines Chapter 13 Bankruptcy Attorneys

Our Des Moines chapter 13 bankruptcy attorneys will use their experienced knowledge to ensure the best repayment plan for you during chapter 13 bankruptcy.
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Smiling womanAttorney Kevin O'Flaherty

"Kevin was extremely professional, responsive and knowledgeable when I came to him for help. I would definitely recommend O'Flaherty Law!"

We believe your attorney should not speak in legalese

Finding an attorney who is a “real person” can be difficult. Many attorneys surround themselves almost exclusively with other attorneys and are accustomed to speaking in ivory tower legalese.  You should be able to connect with your attorney on a personal level, and he or she should speak to you in plain language that you can understand.  You will be working very closely with this person on issues that are very important to you. It is important that he or she be down-to-earth and someone that you connect with.

We believe your attorney should be accessible

The most common complaint that clients have of their attorneys is that the attorney is unreachable, does not communicate with them regularly, or does not promptly return your calls.  Your attorney should reach out to you about your case regularly and respond within 24 hours to calls and e-mails.  An open line of communication between you and your attorney is essential to building trust.

We believe your attorney should be realistic with you about costs and outcomes

Your attorney’s goal should not be to win at all costs.  Rather, it should be to achieve a favorable outcome for you as efficiently as possible.  It is important that your attorney set realistic expectations at the outset as to the costs you should expect, the concerns that the attorney has about the outcome of your case, and the length of time that you should expect your case to take.

Regardless of the nature of your case, we have an experienced attorney who will focus on your individual needs. Our team of attorneys works closely together, bringing each of their different fields of experience to bear in order to optimize our client care.

Client Testimonials

Christi M.

Kevin's firm handled setting up my will and trust recently. They took something that seemed intimidating and made it easy to understand. I've also referred a couple clients to Kevin - he's trustworthy, approachable and very fairly priced.

Marvin

"I've used Kevin and his firm's services since 2011. He gave undivided attention to my cases, advised me on different options and..."

Rachel B.

"Kevin was extremely professional, responsive and knowledgeable when I came to him for help. I would definitely recommend O'Flaherty Law!"

More information about our Des Moines Chapter 13 Bankruptcy Attorneys

O'Flaherty Law's Des Moines bankruptcy attorneys take time to review the financial needs of you or your business before deciding chapter 13 bankruptcy is right for you. For each step of the process you can be assured that our knowledgeable and cost efficient attorneys will help you navigate chapter 13 bankruptcy. From our required credit counseling, to schedules and meetings, O'Flaherty Law has each base covered in the process of filing for bankruptcy so you can keep what matters the most to you. 


Expertise Best Child Support Lawyers in Chicago 201710 Best 2016 Client Satisfaction American Institute of Family Law AttorneysAvvo Clients' Choice 2016 DivorceRising Stars Kevin P. O'Flaherty SuperLawyers.com10 Best Law Firms 2018 Client Satisfaction American Institute of Family Legal Counsel Attorneys Estate Planning Law40 under forty

Contact Us

Please contact our friendly lawyers to Schedule a Consultation.

(515) 207-2006
desmoines.ia@oflaherty-law.com

What to Expect From a Legal Consultation

The purpose of a consultation is to determine whether our firm is a good fit for your legal needs. Although we often discuss expected results and costs, our attorneys do not give legal advice unless and until you choose to retain us.

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Location

Office Address

2716 Grand Ave., Ste. 2

Des Moines, IA 50312

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Hours of Operation

Monday
9:00am - 6:00pm
Tuesday
9:00am - 6:00pm
Wednesday
9:00am - 6:00pm
Thursday
9:00am - 6:00pm
Friday
9:00am - 6:00pm
Saturday
Closed
Sunday
Closed

Attorneys

Meet the Owner

I am personally committed to ensuring that each one of our clients receives the highest level of client service from our team.  Our mission is to provide excellent legal work in a cost-effective manner while maintaining open lines of communication between our clients and their attorneys.  Many of our clients are going through difficult times in their lives when they reach out to us.  They should feel comfortable leaning on the experience and knowledge of our attorneys as their counselors and advocates.  We are here to help!

- Attorney Kevin O'Flaherty, Owner

Further Reading from our Des Moines Chapter 13 Bankruptcy Attorneys

Save Your Car and Home With a Zero Percent Chapter 13 Bankruptcy

In this video, our Des Moines Chapter 13 bankruptcy attorneys explain the difference between Chapter 7 and Chapter 13 Bankruptcy and a zero percent plan. Chapter 7 bankruptcy involves liquifying all the debtor's assets, administering those funds to the debtor's secured and priority debts, and wiping out all the unsecured debt, non-priority debt. All of a Chapter 7 bankruptcy filer's debt is discharged after the bankruptcy process; however, she still has to pay priority debts such as child support, certain tax debts, and alimony. In Chapter 13 bankruptcy, the debtor agrees to a three- to five-year repayment plan that includes their unsecured debt, such as credit card payments and medical bills, and any arrearages on secured and priority debt. It's the most popular bankruptcy option for those who don't qualify for Chapter 7 or want to keep their home, car, or any other nonexempt property. A zero percent plan combines the benefits of not paying any money towards nonpriority unsecured debts with the ability to retain personal assets, such as a home and vehicle. A chapter 13 zero percent plan is only available to those that qualify for a Chapter 7 bankruptcy via the Mean's Test. Most Chapter 13 filers have higher incomes, and the filer must use any disposable income to pay unsecured nonpriority debts.


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What Bankruptcy Can and Cannot Help You With In Illinois and Iowa

In this video, our Des Moines chapter 13 bankruptcy attorneys explain what bankruptcy means for you and how it depends on what type of debt you’re struggling with, how much you have and what you're willing to lose. You’ll have to determine what type of bankruptcy is best for your situation—this is a good conversation to have with a bankruptcy attorney—with the two main options being Chapter 7 and Chapter 13. Once you file for bankruptcy the automatic stay kicks in and most creditors will be prohibited from continuing to harass you for payment.


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Involuntary Bankruptcy Explained

In this video, our Des Moines chapter 13 bankruptcy attorneys explain how involuntary bankruptcy is a legal process by which creditors can “force” an individual or business to enter into bankruptcy. The creditor must petition the courts to initiate the bankruptcy proceedings and the indebted party can file an objection to force a case. Having this option gives creditors some degree of protection against individuals or businesses who may otherwise take advantage of the business.

It’s rare that a business will petition for involuntary bankruptcy against an individual because the effort of getting enough money from one person versus the assets of a business is low, but it does still happen. The creditor may feel they won’t get any money out of the indebted party unless forcing them to enter into bankruptcy proceedings, and so the creditor must seek legal grounds in order to collect on the debt. Involuntary bankruptcy can’t be brought forward against an individual or business for any amount of money, the indebted party must have a significant amount of unmet debt. The amount of debt warranting a petition of involuntary bankruptcy is dependent on whether the debtor is an individual or business.


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