Committed to Helping Our Clients Succeed

You Need a Reliable Iowa Bankruptcy Attorney

Professional and Experienced 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!

Thousands of cases

I've helped thousands of people through the bankruptcy process

John Heckel Iowa Bankruptcy Frequently Asked Questions

Iowa Bankruptcy Attorney John Heckel

Why Choose Iowa bankruptcy Attorney John Heckel?

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Every client is important to me!

Your bankruptcy is not just another paperwork file for me.

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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.

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A different approach to Bankruptcy

I handle my Bankruptcy cases differently from the high volume 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 across from my client 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.

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.
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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.
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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 $1500. 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 $1500 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

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