Bankruptcy is my area of expertise. It’s what I do, and it’s all I do. I only represent individuals seeking relief under the Bankruptcy Code. From 2009 to 2019 I served as staff attorney to the Chapter 13 Trustee in Savannah, Georgia. I represented the Trustee in every aspect of thousands of Chapter 13 bankruptcy cases each year, including regular appearances in Court hearings, meetings of creditors, trials and written briefs. The Trustee’s duties include assisting debtors in proposing and performing a Chapter 13 plan. I have an excellent understanding of what is necessary for a successful bankruptcy case.
Prior to working for the Chapter 13 Trustee I served as law clerk to a Bankruptcy Judge in Poughkeepsie, New York for six years. I have also worked at a large bankruptcy firm in New York City and taught bankruptcy law as an adjunct professor.
I promise clients:
1.) Every aspect of your case, from beginning to end, will be handled by the same experienced attorney.
2.) Individual Attention. My business model is a simple one: I keep costs low so that I can provide the necessary attention to a small group of clients to make sure they receive the best representation possible.
3.) Two-Way Communication. All good relationships are based on communication and understanding. I want my clients to know they have been heard and understood, to know what is happening at every stage in their cases, and why.
4.) No Nonsense. I believe in handling matters efficiently. I respond to messages and requests promptly. I make sure clients are always in compliance with the law, and that they receive every benefit available to them under those laws.
5.) Honest Assessment. I will be candid about the challenges you might face during bankruptcy so you’ll be aware of those issues from the beginning. I won’t take your case – or your fee – if I don’t think bankruptcy relief will help you.
If you need my help, I look forward to hearing from you.
- Free Consultation
I will be happy to meet with you to discuss your situation, whether a bankruptcy case would be a good solution, and whether Chapter 7 or Chapter 13 would be the best option. Sorry, no telephone consultations.
- Rates, Retainers and Additional Information
Chapter 7 fees beginning at $800. The Southern District of Georgia allows Chapter 13 attorney fees of up to $4,500 (which can be paid over time during your case), but I will charge significantly lower fees for many clients. Attorney fees do not include Court filing fee and credit counseling fee.
- State Bar of Georgia
- ID Number: 412079
- New York
- Managing Member
- Narmore Law Office LLC
- Staff Attorney
- Office of the Chapter 13 Trustee - Savannah, Georgia
- Law Clerk
- Honorable Cecelia G. Morris, U.S. Bankruptcy Court, Southern District of New York
- Adjunct Professor
- City University of New York - Lehman College
- Paralegal Program
- Associate Attorney
- Kramer, Levin, Naftalis & Frankel LLP
- Law Clerk
- Honorable Adlai S. Hardin, Jr., Southern District of New York
- Brooklyn Law School
- J.D. (2000)
- Honors: Cum Laude
- University of Indianapolis
- B.S. (1995) | Journalism
- Honors: Magna cum laude
- State Bar of Georgia # 412079
- National Association of Consumer Bankruptcy Attorneys
- - Current
- New York State Bar # 3991031
- - Current
- Narmore Law Office LLC
- Crocker Case Cracks Notion that Private Student Loans Can’t Be Discharged in Bankruptcy
18 November 2019
- What’s the Deal With Those Debt Settlement Services?
15 October 2019
- One Payment to Rule Them All: Conduit Mortgage Plans
17 September 2019
- "How Much Are Chapter 13 Payments?"
28 August 2019
- Veterans' Benefits and Bankruptcy
31 July 2019
- Happy 7thirteen Day!
13 July 2019
- Rock Paper Scissors Bankruptcy
24 June 2019
- What's the Deal With Those Tax Relief Services?
14 June 2019
- Holding All the Cards and Coming for Your Car: Georgia Title Pawns
10 June 2019
- Q. In chapter 7 can a person exempt his primary residence?
- A: Hello. Yes, every state allows exemptions, usually up to a certain amount of equity (the value of the residence minus any debt secured by the property). In Georgia, a homestead exemption of $21,500 is available or $43,000 for a joint case to those who qualify as residents under the applicable statutes. Similar exemptions are available under federal law. Selecting appropriate exemptions can be tricky, and in a Chapter 7 case property can be sold by a trustee if value exceeds available exemptions, so it is always advisable to consult an experienced attorney. Wishing you the very best, Jeff Narmore
- Q. wanting to file ch 13 to keep car. My wife is currently in ch. 13.
- A: Hello. The fact that you have a co-signer who is also in a separate bankruptcy case will not keep you from filing your own case. The bankruptcy petition asks whether a spouse is in a pending case, so you will need to disclose that information, along with listing her as a co-signer on Schedule H to the petition. Your plan will need to indicate that you want to keep your vehicle and how you will pay it (i.e., through plan payments or directly). Wishing you the very best, Jeff Narmore
- Q. Can I avoid a dismissal of my Chapter 13 by getting current on my payments. I received a letter seeking dismissal
- A: It is very likely. If you have an attorney, get in touch with him or her right away to let them know you want to finish your case. Otherwise contact the Trustee. If you do not have an attorney and cannot get in touch with the Trustee you may need to file a request for hearing or other response. The Court usually has instructions about what you need to do exactly, but make sure that your case is not dismissed by default for failure to respond by a deadline. If you have already completed most of your payments the Trustee and Court will probably be willing to give you the opportunity to get caught up. Wishing you luck in completing your plan and a fresh start after that, Jeff Narmore
- Q. If you file Chapter 7 bankruptcy but not on your home and land could the courts take your property and home and sell it
- A: Good afternoon. It's a common misunderstanding that you can choose which assets or debt to "file bankruptcy on." The Bankruptcy Code says that when a case is filed, an estate is created, which includes everything you own, regardless of where it is located, and also includes all of your debts. So if you file a Chapter 7 case you are giving control to a bankruptcy trustee, who has the ability to try to sell property if he or she believes that it could be used to pay your creditors. Normally a Trustee would not sell property if the only result would be to pay the mortgage on that property. Usually a Trustee is only interested in property that might have "equity" -- that is, could be sold for more than is owed. You also have the ability to claim a certain amount of that equity "exempt" from sale by the Trustee. Getting into questions of value and exemptions can be tricky. Where your home is at issue, you owe it to yourself to consult an experienced bankruptcy attorney who can advise you whether filing Chapter 7 is a good idea. You might also consider whether Chapter 13 would address your financial problems. Chapter 13 has a different set of advantages and disadvantages, but a Chapter 13 Trustee cannot sell your property. Wishing you the very best, Jeff Narmore
- Q. What is the median household income for a family in Georgia, considering filling chapter 7
- A: Good afternoon. The current median income for a family of four in Georgia is $82,476. You can find this and other information about the bankruptcy "means test" at the U.S. Trustee Program's web site at this link: https://www.justice.gov/ust/means-testing Wishing you the best, Jeff Narmore
- Q. i owe twice the amount the car is worth i cant keep up with payments, not had a whole yr. got screwed Bankruptcy?
- A: Mr Dray's answer is a good one. If the loan is only seven months old you cannot use Chapter 13 to reduce the loan balance, though you could possibly reduce the interest. Redemption in a Chapter 7 case would left you pay the current value of the car in a lump sum, a workable solution for people with access to funds or a source of financing. Surrendering the car gets you out of paying for the car, but you will need to have a plan for obtaining other transportation. A bankruptcy attorney could help you look at your total financial picture to determine if bankruptcy is a sensible solution to this problem, and whether Chapter 7 or 13 is the better way to go. I am sorry this happened to you, and wishing you the best.
- Q. Will the court allow me to take out a TSP loan to help catch up on arrears while under chapter 13 bankruptcy?
- A: Good evening. You would be borrowing against a TSP loan and this would most likely be viewed as a request to incur a debt. The view on allowing this changes a lot from one jurisdiction to the next, including who decides to grant the request. For example, in the Southern District of Georgia the Chapter 13 Trustees decide in the first instance. If you are in another jurisdiction, check your confirmation order or local rules on the Court web site. If you had an attorney who helped you file your case, he or she should be willing to discuss this issue and give you some guidance. If you are not represented, your best course would be to find out whether your request needs to be sent to the Trustee or Court. Ask what information they need but be prepared to explain how much you need to borrow, for what purpose, repayment terms (how much per month for how long) and demonstrate that repayment of the loan will not interfere with your ability to make bankruptcy payments and pay other bills. I hope this helps, and wishing you luck.
- Q. On average how reduced are debts after a Chap 13 bankruptcy? Does refi/2nd mortgage affect the decision to keep home?
- A: I do not practice in Ohio. It's important to know the current value of the property and how much is owed on the house and land. In a Chapter 7 bankruptcy their house could be sold if there is significant equity...that would be a disastrous outcome. A certain amount of equity can be "exempted" but that's a state-by-state issue that an attorney should help you with to be sure. Also be sure that both the house and the acreage are encumbered by debt. If there is a separate parcel that is debt-free, that would put the property at risk in a Chapter 7. Chapter 13 avoids the risk of property being sold, but your parents would need to have a source of income to make monthly plan payments and pay other bills as they come due going forward. It isn't clear whether they can do that or not. You might need to get specific with them about which bills they are paying and would need to pay in the future. Many attorneys will provide a free first consultation and could give you some basic guidance on these and other important questions. Some jurisdictions have a system in place where Chapter 13 attorney fees are paid over time, as part of the monthly plan payment. This could help. As for reverse mortgages, that will usually relieve homeowners of the need to make mortgage payments, but homeowners usually still must pay the property tax and insurance. A reverse mortgage usually results in the lender owning the property at the end of the homeowner(s)' life time, so while it might solve an immediate problem, be sure that is how your parents (and their heirs) would want to dispose of the property after their life time. It would be important to know how that a reverse mortgage will work if both parents are on the deed and one passes, or perhaps more critically, if only one is on the deed to the property. Above all, I wish you and your parents the best of luck in this difficult time.