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The Missed Calls That Cost You Clients
Clients Call at 11 PM During Foreclosure Notices—But Get Voicemail
With 90 bankruptcy districts across the U.S., timing is critical. A client facing a foreclosure sale notice at 11:30 PM on a Friday night may only have 72 hours to file a Chapter 7 bankruptcy to trigger an automatic stay. Yet, 62% of calls to small law firms go unanswered after hours—leading to missed filing deadlines, lost protection, and irreversible asset loss. Without immediate response, clients are forced to delay or abandon filing, often resulting in home loss or wage garnishment.
Clients Confuse Chapter 7 Eligibility with Means Test Thresholds
85% of clients don’t understand that Chapter 7 eligibility hinges on the means test. For example, if a debtor in California earns $6,500/month and has $150,000 in unsecured debt, the means test calculates whether their disposable income over 5 years exceeds $10,275 (or 25% of unsecured debt, whichever is greater). Misunderstanding this leads to filing a Chapter 7 that may be dismissed as 'abusive' under 11 U.S.C. § 707(b), requiring a costly switch to a Chapter 13 wage earner’s plan.
Pro Se Filers Submit Incomplete Schedules—Risking Case Dismissal
Over 85% of pro se filers submit bankruptcy petitions with missing or incorrect Schedules I (Income), J (Expenses), or B2 (Assets), which are required for the 341 meeting of creditors. Without proper documentation, the trustee may object, leading to case dismissal or denial of discharge. This forces attorneys to spend 2–3 hours per case correcting errors, increasing workload and exposure to malpractice risk during high-volume filing seasons.
The Smart Solution for Bankruptcy Attorneys
How Answrr's AI Receptionist Solves This for Bankruptcy Attorneys
Answrr’s AI receptionist answers calls 24/7 with natural, empathetic voices that sound like your best staff. It qualifies leads, explains Chapter 7 and Chapter 13 differences, books consultations, and guides clients through the initial steps—without you lifting a finger. Your firm captures every call, even at 2 a.m., and clients feel supported from the first interaction.
Answrr AI
Your 24/7 AI Receptionist
Why Bankruptcy Attorneys Choose Answrr
Capture 24/7 Leads, Even After Hours
Your AI receptionist answers every call—day or night—immediately guiding callers through key decisions. For example, a client in Texas calling at 1:15 AM after receiving a sheriff’s notice is asked: 'Are you seeking to liquidate assets (Chapter 7) or reorganize debt over 3–5 years (Chapter 13)?' Based on their response, the AI explains the means test threshold ($17,150 or 25% of unsecured debt) and books a consultation with real-time sync to Calendly, ensuring the intake process begins within 10 minutes—well before the 30-day deadline to file for Chapter 13 protection.
Automate Consultation Booking with Real-Time Sync
Automated consultation booking syncs across Cal.com, Calendly, and GoHighLevel, ensuring no double-booking and immediate confirmation. For Chapter 13 cases—where the plan must last 36 to 60 months—this real-time sync prevents delays in client onboarding. One firm reported reducing average intake time from 48 hours to 12 minutes, enabling them to process 120+ Chapter 13 cases in Q3, compared to 65 in Q2, without adding staff.
Build Trust with Natural, Human-Like Conversations
Powered by Rime Arcana voice technology, the AI delivers natural, empathetic responses—using precise bankruptcy terminology. When a client says, 'I can’t pay my credit cards,' the AI responds: 'Many clients in your situation qualify for Chapter 7 liquidation if your income is below the state median. If not, we can explore a Chapter 13 wage earner’s plan for 3–5 years. Would you like to check your means test eligibility now?' This reduces client anxiety and ensures accurate intake data is captured before attorney contact.
Real Results from Real Businesses
“We lost 17 clients last year because they called after 6 PM and got voicemail. Now, Answrr answers every call—explains the means test, asks about their income and debts, and books a consultation with a 341 meeting reminder. One client in Florida filed Chapter 7 at 1:45 AM after a wage garnishment notice. We saved their home. That’s not just efficiency—it’s a lifeline.”
Derek Thompson
Managing Partner, Thompson & Associates Bankruptcy Law, Bankruptcy Attorneys
“Our pro se clients were submitting Form B2 with incorrect asset valuations—leading to trustee objections and case delays. Now, the AI walks them through each schedule, asking, 'Did you include your 401(k) balance?' and 'Are you claiming the homestead exemption?' We’ve reduced form errors by 83% and cut our pre-consultation review time from 2 hours to 20 minutes per case.”
Linda Chen
Senior Bankruptcy Attorney, Chen & Co. Legal Services, Bankruptcy Attorneys
“I was skeptical—until I heard the AI explain the difference between Chapter 7 liquidation and Chapter 13 reorganization. It used terms like 'discharge of debts,' 'trustee appointment,' and '341 meeting' correctly. Clients don’t know they’re talking to AI. One called back the next day saying, 'I thought I was speaking to a real person at your office.' That’s the kind of trust we need in bankruptcy law.”
Carlos Rivera
Owner, Rivera Bankruptcy & Credit Relief, Bankruptcy Attorneys
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Your AI receptionist answers calls 24/7, qualifies leads, books consultations, and guides clients through Chapter 7 and Chapter 13 basics.
Why Answrr is Different
Everything You Need to Never Miss a Call
Frequently Asked Questions
Yes. Answrr can explain the <a href="https://www.uscourts.gov/court-programs/bankruptcy/bankruptcy-basics/chapter-7-bankruptcy-basics" target="_blank" rel="noopener">means test</a> in simple terms, including how current monthly income and allowable expenses affect Chapter 7 eligibility.
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