Committed to Helping Our Clients Succeed

You Need a Reliable Cedar Rapids Iowa Bankruptcy Attorney

Professional and Experienced Cedar Rapids Iowa Bankruptcy Attorney

You've Come to The Right Place

I started the practice of law in 1974 in Cedar Rapids. One of my first cases was bankruptcy for an individual. I have helped over 1000 people to get their lives back on track in the last forty years by filing for Bankruptcy in Iowa. The present Bankruptcy law has changed from back then, but the premise remains the same. Bankruptcy in Iowa gives a person a fresh start in life.

40+ Years of Experience

Since 1974 I've been helping people get their lives back on track in Cedar Rapids, Iowa

Thousands of cases

I've helped thousands of people through the bankruptcy process in Iowa

Iowa Bankruptcy Attorney John Heckel

Iowa Bankruptcy Attorney John Heckel

Why Choose Cedar Rapids Iowa bankruptcy Attorney John Heckel?

Law Icon06 1 Free Img

Every client is important to me!

Using my 40+years of experience in bankruptcy I help people in Iowa to start the new debtless life.

Law Icon07 1 Free Img

I'm with you every Step

I am there to process the necessary information and documents as well as answer all your questions. I am with you through the entire process.

Law Icon08 1 Free Img

A different approach to Bankruptcy

I handle my Bankruptcy cases differently. Unlike the most bankruptcy firms, I meet with you personally every time. When it is time to work on the petition and schedules of debts and assets, I sit down with my you and go through each part of the bankruptcy forms with you. Aside from a secretary answering the phone, I deal one on one with my clients. The answers to your questions come from me, not a paralegal or secretary, as I genuinely care about you!

1000+

Completed bankruptcy cases

40+ Years

of Iowa Bankruptcy Experience

Business Hours
8am To 4pm: Monday, Tuesday, Thursday and Friday
8am To 12pm: Wednesday 
OR

After Hours

We Look At Bankruptcy Differently

What Our Client's Say

John is was very precise and helpful during the bankruptcy process. He made a tough time in my life easier to process.
Law Icon10 5 Free Img
Shirley
Cedar Rapids, IA
If you are considering a bankruptcy due to whatever happened in life, give John Heckel a call. He listens well and makes the bankruptcy process easier to manage.
Law Icon10 3 Free Img
Terry
Marion, IA

Frequently Asked Bankruptcy Questions

Most frequent questions and answers

How much does a bankruptcy cost ?

My fees for a typical consumer bankruptcy are $1800. In addition the court costs payable to the Clerk of Court are $335.

Are there any exceptions ?

Unfortunately no. If an attorney does a bankruptcy on credit, the attorney must disclose the payment arrangement and discharge his bill in the bankruptcy. The debtor must then get another attorney as the original attorney cannot be an attorney for the debtor and a creditor at the same time.

Why are Bankruptcy fees so high?

The 2006 Bankruptcy reform act made the attorneys for the debtor personally responsible for the accuracy and truthfulness of the schedules. This requirement added a lot of time and work to a bankruptcy compared to what was required before under the 1978 bankruptcy act.

How long does the Bankruptcy take ?

Usually about 90 days once the petition is filed with the Clerk. The creditor collection efforts must stop immediately when the petition is filed.

Are all the Bankruptcy fees due at once ?

The first appointment is no charge. Once you decide to proceed with the Bankruptcy, the fees are due when the work session [2nd appointment] occurs.

How much debt is needed for a Bankruptcy ?

There is no set amount needed for a Bankruptcy filing. Generally, I advise people that if they have unsecured debts of more than six months net income, they should file. However, every situation is different.

What do I need to get together for a bankruptcy ?

  1. LAST TWO YEARS TAX RETURNS
  2. LAST BANK STATEMENTS FOR EVERY BANK ACCOUNT
  3. LAST PAY STUB FROM WORK.
  4. List of creditors with addresses if possible
  5. Certificate of counseling [ I will need it before filing]
  6. Attorney fee of $1800 and Court costs of $335.

Does my spouse have to file also?

No, the spouse does not have to file. It complicates the schedules but you can file as a married person filing singularly.

Questions?

Don’t hesitate to contact me

Iowa Bankruptcy Attorney John Heckel

5250 North Park Place Suite 114 Cedar Rapids, IA 52402

Scroll to Top