Free & Confidential
How Does a Free Bankruptcy Consultation Work?
It is free and confidential, and it happens by video or phone from anywhere in Utah or California. No travel, no waiting room, no obligation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
What Happens on the Call
We keep the call focused on you — your situation, your questions, and your options. Here is what to expect.
You tell us what is happening. We listen without judgment. Tell us about the calls from collectors, the bills piling up, or the garnishment notice — whatever is weighing on you.
We review your finances honestly. We look at your income, your debts, and any legal action against you. We ask a few straightforward questions to understand the full picture.
We explain your options. We tell you whether bankruptcy makes sense for you, which chapter fits your situation, and what the process looks like — in plain language, no legal jargon.
You decide what to do next. There is no pressure and no sales pitch. The decision is yours. Many people simply leave with a clearer picture of their options.
What to Have Handy
You do not need to be fully prepared before you call. The more information you have, the more specific we can be — but the call is useful even if you bring nothing. If you can, have these nearby:
- Recent pay stubs or a rough sense of your monthly take-home pay
- A list of your debts (credit cards, medical bills, personal loans, mortgage, car payments)
- Any court papers, garnishment notices, or lawsuit documents you have received
- Names of any creditors who are calling or threatening legal action
If you have filed bankruptcy before, the year matters — let us know.
Who You Will Talk To
Lincoln Law’s attorneys have focused on consumer bankruptcy for decades.
Attorney · Utah & California
Founded Lincoln Law in 2001. Licensed in Utah and California.
Attorney · California
Certified Bankruptcy Specialist, State Bar of California Board of Legal Specialization.
Attorney · Utah
Board Certified in Consumer Bankruptcy Law, American Board of Certification.
Richard W. Suh
Attorney · California
Has been practicing bankruptcy law for more than 12 years in California.
This Is Confidential and Free
Confidential. What you share with us is kept confidential.
No obligation. There is no pressure to hire us.
Hablamos español. You are welcome to speak with us in Spanish at any time.
Ready to talk? Call us — it’s free.
We meet with you by video or phone, review your situation, and explain whether bankruptcy may make sense for you — no obligation, no pressure.
Call 800-404-0018We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. Calls are confidential.
Related topics: What happens at a bankruptcy consultation? · Our office locations and hours · About Lincoln Law
Questions About the Consultation
How much does the consultation cost?
Nothing. The initial consultation is completely free, with no obligation to hire us.
Do I have to come into an office?
No. All consultations are by video or phone. You can talk with us from home, work, or anywhere that is convenient and private.
Can my spouse join the call?
Yes. If you are married, your spouse is welcome to join; many couples find it helpful to hear the information together.
What happens after the consultation?
You decide. We will explain your options and answer your questions. There is no pressure and no obligation — the next step is always yours to take.
Is the call confidential?
Yes. What you tell us during the consultation is kept confidential.
Do you speak Spanish?
Yes. Hablamos español. You are welcome to speak with us in Spanish at any time.
