CHAPTER 7 RETAINER AGREEMENT

I UNDERSTAND THAT MUTUAL COURTESY AND RESPECT ARE ESSENTIAL FOR THE ATTORNEY/CLIENT RELATIONSHIP TO SUCCEED. ATTORNEY WILL RESPOND TO ALL LETTERS, AND RESPOND TO ALL EMAILS AND PHONE CALLS, PROMPTLY. CLIENT AGREES TO DO THE SAME, AND TO ADVISE ATTORNEY IN ADVANCE IF HE/SHE IS UNABLE TO MAKE AN APPOINTMENT OR COURT DATE.
I understand that court, deposition and other dates may involve the shedules of other attorneys. i authorize Mr. O'Keefe to agree to requested adjournments of all such matters as a matter of professional courtesy, at his discretion.
CLIENT AGREES TO IMMEDIATELY INFORM ATTORNEY OF ANY CHANGE IN HOME OR WORK ADDRESS, PHONE NUMBER, OR EMAIL ADDRESS.
Client understands that major revisions to the bankruptcy laws took effect October 17, 2005, and the precise meaning of many of the changes is yet to be determined by the Courts, and no one can predict with any accuracy exactly how the law will be applied.
I UNDERSTAND THAT BANKRUPTCY STAYS ON MY CREDIT RECORD FOR UP TO TEN (10) YEARS.
I do hereby retain Kurt O'Keefe to file and represent me on a Chapter 7 bankruptcy. Mr. O'Keefe agrees to prepare and file the Petiton, Schedules and other required pleadings, and to appear with me at the 341 hearing.
Client acknowledges being advised that bankruptcy law allows utility companies to require a deposit for continued service.
Client acknowledges being advised that filing bankruptcy of itself WILL NOT STOP credit union payroll deductions or electronic fund transfers from a bank account. Client must withdraw the written permission given for those deductions to stop them. Client acknowleges being advised to withdraw all money from any account at a credit union to which client owes money, BEFORE THE PETITION IS FILED.

The minimum total cost is:
The minimum agreed attorney fee is:
I have paid $299.00 of the $299.00 filing fee, which goes to the Clerk of the Court, plus, $50 for credit counseling.
FULL FILING FEE AND DUE BEFORE THE CASE WILL BE FILED
Any work by Mr. O'Keefe besides what is stated above, including, but not limited to:

A) adversary proceedings
B) objections to discharge
C) debtor's examination
D) contested motions or other matters
E) objections to exemptions
F) any and all actions to be contested seeking relief from the automatic stay
G) adjourned court dates

is not covered by this payment and may require additional compensation.
The current hourly rate charged by Mr. O'Keefe is $320.00

Client agrees to cooperate fully with Attorney, in all respects, including, but not limited to the following:
A. appearing promptly for office converences when requested
B. Promptly responding to all requests by Attorney, or by another party, for informationn, such as documents, or by questions through Interrogatories, Rule 2004 exams, or other depositions
C. complying with all other requests made by Attorney relating to furthering Client's case

CLIENT UNDERSTANDS:
ALL DEBTS MUST BE LISTED, including debts that will not be ischarbed, such as past due child support, student loans, taxes;
Debts that you want to keep paying,
Debts that you co-signed for someone else, or, that someone else co-signed for you,
Debts to family members and friends,
Debts that you dispute, that you do not agree you owe

ALL ASSETS must be listed, you will not be able to keep an asset you do not list
This includes possible lawsuits, or worker's comp claims, that have not yet been filed by you.
FAILURE TO LIST SUCH A CLAIM MAY RESULT IN YOU NEVER BEING ABLE TO PURSUE THE CLAIM IN THE FUTURE.

You are under oath in a Federal Court, filing inaccurate papers can result i you not getting a discharge of your debts and possible criminal charges against YOU.
Client agrees to cooperate with Attorney, to obey all Court Orders, to avoid violation of any injunctions, and to refrain from unlawful conduct.
Any breach of this provision shall entitle Attorney to seek to withdraw from the case.

CLIENT IS AWARE THAT ATTORNEY'S TIME IS LIMITED, AND THAT TIME FOR WHICH CLIENT WILL BE BILLED, IF APPLICABLE, INCLUDES:

A. All time spent on the case by Attorney;
B. All time spent on the telephone by Attorney, with Client or anyone else regarding the case;
C. All time spent by Attorney traveling between his office, and a Court, or any other place, in connection with the case;
D. All time spent by Attorney doing legal research regarding the case;
E. All time spent writing and/or reading legal documents, letters or anything else in connection with the case;
F. All time spent by Attorney in Court, including time spent waiting for Client's case to be called.

Attorney makes no promises or representations as to the outcome of the case, but agrees to use his best efforts on behalf of Client.
Client acknowledges that Attorney has not made any promises or representations as to the ultimate outcome of this legal matter.

Under no circumstances shall Attorney be required under this Agreement to:
A. Represent Client in an appeal of any decision;
B. Represent Client in a Motion for Reconsideration or modification;
C. Represent Client in any proceedings in any other lawsuits, actions or other proceedings arising out of his/her conduct in this case, or any other case.

ANY ADVERSARY PROCEEDINGS COST EXTRA

ANY UNITED STATES TRUSTEE ACTIONS REGARDING THE MEANS TEST, OR OTHER BUDGET ISSUES, COST EXTRA

FOR ANY COURT APPEARNCES CAUSED BY CLIENT MISSING A HEARING, A MINIMUM ATTORNEY FEE OF $320 WILL BE CHARGED.
FOR ANY 2004 EXAM (DEPOSITION) , A MINIMUM OF $320 ATTORNEY FEE WILL BE CHARGED.

Client acknowledges that student loans are not dischargeable unless the debtor can prove hardship.

INCOME TAXES
For income taxes to be discharged, it must be more than 240 days since the tax was assessed, it must be on Client's own income, for a tax year for which the return was initially due, including any extensions, more that three years before the bankruptcy petition is filed, and, the return must have actually been received by the IRS or other authority more than two years before the bankruptcy petition is filed. It is the Client's responsibility to determine the dates his/her returns were deemed filed, by the IRS.
Pursuant to U. S. Treasury Department Regualtion 31 CFR Part 10, section 10.35, be advised that, unless otherwise expressly inicated, any federal tax advice contained in this communication, including attachments, is not intended or wtitten to be used, and may not be used, for the purpose of () avoiding penalties that may be imposed on the taxpayer and the Internal Revenue Code of 1986 as amended or (ii) promoting, marketing or recommending to another party any tas related matters addressed herein.

The source of the payments made by Client to Attorney was earnings of the Debtor and
The Attorney has not shared or agreed to share with any other entity any compensation paid, or to be paid, except as follows:


I understand that any credit card I have may be canceled as a result of filing bankruptcy.

THE UNITED STATES TRUSTEE HAS STARTED AN AUDIT PROGRAM. IF YOUR CASE IS AUDITED, FAILURE TO PROVIDE INFORMATION REQURESTED BY THEM, OR TO OTHERWISE COOPERATE, COULD RESULT IN DENIAL OF YOUR DISCHARGE.
I acknowledge that, like cell phone calls, emails cannot be guaranteed to be confidential.
I acknowlege receiving a copy of this agreement. Client consents to Attorney disposing of his/her physical file, including all documents, five years after the end of the representation.

CLIENT FURTHER REPRESENTS THAT HE/SHE/THEY HAVE REVIEWED ALL OF THE INFORMATION IN THE BANKRUPTCY SCHEDULES AND UNDERSTAND THAT HE/SHE/THEY MAY POTENTIALLY BE INCARCERTAED IF HE/SHE/THEY HAVE WITHELD ANY INFORMATION OR PROVIDED ANY INFORMATION THAT IS INCORRECT.

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