The Law Office of Kathleen Walls

What can you do if you are in financial trouble?

There are different ways to handle financial problems.  Find out which one is right for you.

If, for example:

~ your home is in danger of, or already in foreclosure,

~ a creditor has threatened to or has repossessed your car or truck,

~ you are being harassed by creditors,

~ you have lost income or have had a medical catastrophe,

~ or simply can not afford to pay debts and still have enough money to feed your family,

then some form of relief is most likely available to you. 

You should talk with a professional to determine which option would be most helpful. 

We offer a confidential consultation. 

Call  1-800-863-2818 to talk or to schedule a time to come in and meet. 

Whatever you choose to do, you should have all the information available to you before you decide. 

How Do I Get Started?

Once you have made the decision to go forward, you can call our office for a consultation. 

If you like, you can print the Questionnaire and Debt Forms (one for each debt you have) and return them to me by mail ( P.O. Box 793, Middlebury Vermont 05753) or e-mail

Don’t forget to include the documents requested on the last page of the Questionnaire.

You will also have to do your mandatory pre-bankruptcy credit counseling.

You may call or e-mail me with any questions you have as you are reviewing the form. 


Once you return the forms, I will contact you and we will meet and review the information. At that point we can decide what course of action is right for you.

We have a sliding scale fee schedule, so our fees are dependent on the type or case, and the type and amount of debt and assets involved.  Please call to schedule a consultation to discuss your situation, after which we can quote you a fee.

Filing fees (fees which are paid to the Court to open your case) for the various chapters are as follows:

Chapter 7 - $335.00

Chapter 13 - $310.00

Chapter 12 - $275.00


Debt Forms


The Law Office of Kathleen Walls

P.O. Box 793, Middlebury Vermont 05753



The information contained on this site is not intended to be and should not be considered legal advice. The publishing of the information contained herein is not intended to create, and does not constitute any type of attorney-client relationship. Readers should not act upon this information without seeking professional counsel. The information contained herein is provided for general informational purposes only and may or may not reflect the most current legal developments.