T. J. Mullin
Law Office

How It Works

The first step is to get our brochure. You can download it here or call and we will send one to you in the mail if you prefer.

It is crucial that you assemble the information requested. Without it, Mr. Mullin cannot properly advise you. We can compare this to a visit to your doctor—would you refuse to tell him your symptoms, and make him guess at your illness? Hopefully not. We need your facts (symptoms) in order to cure your problem (illness). Once you have filled out the brochure, and gathered the documents requested, call for an appointment. We can usually see you within a day or two of your call.

Your first meeting with Mr. Mullin will take approximately one hour. Mr. Mullin will review your information with you, ask for additional information as needed, and then outline your remedies. We generally run on time but occasionally, the client before you will have a more complicated case than normal. Mr. Mullin would never rush any client. If you do have to wait, which happens rarely, we know you will understand, realizing that if you need more time with Mr. Mullin than planned for, you will get it.

Typically, you will need to gather more information or documents. Once you have supplied those to us, and paid the fees, we will need 7 to 10 days to prepare your case. You will be notified by letter to call for an appointment to sign your papers. You will meet with Mr. Mullin again, review the documents and execute them. This takes approximately 30 to 45 minutes. Your case will be filed on the next filing date.

The Court then sets your hearing, within six to seven weeks of your signing your papers. We will give you at least two weeks notice of this date so you can arrange your schedule. This should be your only Court hearing, although once in a great while a second appearance is needed. We have no choice of the Court date. If you cannot or do not make that date, there are additional fees incurred for rescheduling your appearance.

You will receive your discharge order from the Court, which is the official Court Order freeing you from liability on all of your dischargeable debts four to five months after the hearing.

Currently two debtor education classes must be taken – one before you file and one after your file but before you get your discharge. We will give the information about these classes. They can be taken on the internet 24 hours a day, 7 days a week or by telephone if you prefer. The telephone option takes longer as you will need to schedule a time for a telephone class. The cost of these classes is included in your fees paid to our office so you will not be charged for additional classes directly.