The focus of this office is finding debt relief for my clients. Most of my cases involve filing for bankruptcy for people with serious financial problems. In some cases I recommend working things out with creditors, credit counseling and debt consolidation, or not taking any action at this point.
In Sussex County, this office serves: Rehoboth Beach (19971), Henlopen Acres, Lewes (19958), Nassau (19969), Dewey Beach, Angola, Bethany Beach (19930), South Bethany, Ocean View (19970), Millville (19967), Clarksville, Roxanna, Fenwick Island (19944), Milton (19968), Broadkill Beach, Primehook Beach, Slaughter Beach, Ellendale (19950), Lincoln (19960), Milford (19963), Selbyville (19975), Frankford (19945), Dagsboro (19939), Gumboro, Millsboro (19966), Long Neck, Harbeson (19951), Georgetown (19947), Delmar (19940), Laurel (19956), Seaford (19973), Concord, Bethel, Bridgeville, and Greenwood (19950).
I started doing bankruptcy work in about 1986 while working for Wolhar and Gill. I opened my own office in about 1990, and then worked with the firm of Brown, Shiels, Beauregard & Chasonov, before going out on my own again in 2003.
Typical case: An individual or married couple, who are paying their living expenses, but have no funds left to pay unsecured debts for credit cards, loans, medical bills, repossessed vehicles, and/or deficiencies from foreclosed home or investment property, who file bankruptcy, keep everything they own, and eliminate their liability for those unsecured debts.
A couple who recently filed a chapter 7, wrote after having their debts discharged: Mr. Reed "was very knowledgeable, personable and honest about what was involved. We met with him and he made us feel very comfortable about the whole process. He is very likable and seemed to have a genuine interest in our financial situation...very accessible by phone or email...his price was fair...paperwork was easy."
Client with millions in assets and over a million in debts, primarily business debts that he was personally liable for, discharges his personal liability for the debts in a personal bankruptcy.
Retired couple with small income, eliminates their liability for credit card debt and other unsecured debts, so that their entire income is available for their living expenses.
People who are behind on their mortgage, but are now in a position to pay the current payment and pay the arrears over the next 3 - 5 years, file a chapter 13 bankruptcy and keep their home, and bring the mortgage current through payments under a chapter 13 plan.
6 Century Plaza 19633 Blue Bird Lane
Rehoboth Beach DE 19971
I offer some free one-hour initial consultations. People who are seriously considering bankruptcy will generally pay for an initial consultation, with the fee being applied to reduce the total fee for the case.
The price of a bankruptcy depends on the chapter it is being filed under, whether it is an individual or business bankruptcy, whether there are debts to reaffirm, and the general complexity of the case.
Most bankruptcies are done for a fixed fee or retainer.
Monday through Friday
11:00 a.m. to 7:00 p.m.
Evenings and weekends by appointment.
I enjoy helping people with their financial problems. My clients who file bankruptcy are usually in such bad financial shape that it would not do anyone (society) any good to leave them in that condition: debt relief is necessary. They should not be slaves to their debt or their creditors.
A well informed client is the best client: I do what I can to help the client understand the process.
I am willing to review documents prepared by the client. It is very difficult to file a bankruptcy petition without the advice of a lawyer.
I am happy to provide assistance to clients who try to represent themselves in bankruptcy. I have seen people in court trying to represent themselves at creditors meetings, and confirmation hearings and in bankruptcy court, who are making serious mistakes.
I have experience as a teacher in the public school. My math degree helps me understand financial matters. I have faced adversity in my life, and have empathy for others who are having problems.
I answer the phone myself when I am available, and try to respond promptly to emails. I am committed to doing what it takes to get the job done. I work well with my clients and make them comfortable working with me.Personal interests:
I enjoy swimming in the ocean, snow skiing, sailing, and traveling.
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