Ordinary Heroes Deliver Second Chances with Bankruptcy
Ordinary Heroes Deliver Second Chances with Bankruptcy
Created On July 30, 2019
Reprint from CONSIDERCHAPTER13, ON JULY 28TH, 2019
By Robert (Bob) Schuman, Owner/Managing Broker, Network Financial Group
I’m a mortgage broker.
In that role, I see close up the immense relief that a homeowner feels when they file Chapter 13.
They are no longer forced to deal with collection calls and a multitude of letters that are aggressive and intimidating, threatening to take their car, foreclose on their home, call them at work, or knock on their door at dinnertime.
No longer do they need to feel helpless, to not know if the threats and intimidation from creditors are real or made up.
To not know your rights, to live with that ever-present fear at all times of impending embarrassment. To walk into a bank not knowing if they will laugh at you. To feel the ever-present shame, the most insidious off all our emotions, that can permeate us to our very core.
Stress has a negative impact on marriages, on a parent’s relationship with their children, co-workers, friends and family.
It can subtly and not so subtly impact our every relationship and action. It permeates every aspect of a debtor’s lives.
And bankruptcy provides relief.
Lawyers deliver relief
Bankruptcy lawyers are the vehicle for providing that relief.
Brendon Burchard’s best selling book High Performance Habits reported on research that found that the highest performing professionals hold in their thoughts and remember, all the ways their work contributes to the well being of others: Their work is of service to something greater and makes a difference.
So when a debtor sits in front of you, know that the work you are about to perform is truly a godsend to these people.
They finally have someone in their corner who knows the law, someone knows what creditors can and cannot do.
Someone who can silence the outrageous and obnoxious phone calls and letters that rob them of any peace of mind they may still cling to during an incredibly difficult and emotional time.
For bankruptcy attorneys reading this, and for trustees and their staff who care about ordinary people, what you do is a blessing for these families.
As a country, we pride ourselves on second chances – on redemption, and you are the facilitators of that redemption.
With your help, a mother or father can enjoy their child’s soccer game without fear that a tow truck might show up at the game and take their car, or show up at their door when they have guests or a myriad of other embarrassing situations.
Sometimes, you actually save a life.
A well-respected bankruptcy attorney and friend tells the story of a client turning over to her the cyanide pill he was planning on using before the attorney showed him a way out, a path to end the nightmare successfully.
So, as you drive in to work tomorrow, remember, that the work you do brings these people back to life, helping their family, their children, their relationships.
The work you do is a godsend.
Embrace that, hold onto that thought, know that you are fighting the good fight.
Let it inspire you. There is something very rewarding about being committed to a cause bigger than ourselves.
My hat’s off to you for the work you do and the difference you make.
Robert (Bob) Schuman is the owner and managing Broker of Network Financial Group since 1987. He is a former U.S. Marine and a past recipient of the consumer protection award from NACBA. He has provided financing and guidance to thousands of homeowners in bankruptcy for over 30 years and is considered a leading expert in the field. He is tenacious in protecting his clients best interest and finding solutions to difficult circumstances. He is a lifelong avid tennis player.
MUSINGS FROM DIANE:
A good professional puts their clients, patients or customers first because they understand their responsibility. Unfortunately, too many put themselves before others. They believe that half a job is just as good as a whole job. They believe that any money they can ring out of those using their services is okay, not matter what the consequences are to those who rely on their commitment to quality. I am currently fighting with a young lawyer who believes he can scream, curse and degrade his clients. He believes he can delegate his responsibility for quality services to his staff. He creates false reviews to encourage others to use his services.
It won’t be too long before he loses his license to practice law unless he recognizes what professionalism is. Unfortunately, hundreds of his clients will suffer because of his lack of respect to them and the legal profession.
Diane is a well respected Arizona bankruptcy and foreclosure attorney. As a retired law professor, she believes in offering everyone, not just her clients, advice about bankruptcy and Arizona foreclosure laws. Diane is also a mentor to hundreds of Arizona attorneys.
*Important Note from Diane: Everything on this web site is offered for educational purposes only and not intended to provide legal advice, nor create an attorney client relationship between you, me, or the author of any article. Information in this web site should not be used as a substitute for competent legal advice from an attorney familiar with your personal circumstances and licensed to practice law in your state. Make sure to check out their reviews.*
When a debtor is in Chapter 13 bankruptcy, it is not unusual that their monthly payments are made through a plan rather than directly to the mortgage lender. At the end of the year, the mortgage lender is likely to send Form 1098 (mortgage interest paid through the year) to the trustee, not the homeowner.
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