Rachel R Morgan | Missoula Bankruptcy Lawyer

• Montana State Bar Association | Member

I helped one gentleman earlier this year who is a veteran and retired police officer. I was able to help him discharge his debts so that he was able to keep his home and spend more time with his grandchildren. He called me to share the laughter of those grandchildren, as they played at the home he worked so hard to save.

I take the extra minute. The extra minute to really listen and see what my clients are needing. I hear about more than just the struggles they are facing and the challenges that make their days extra hard. I also hear about the peace they feel after they have spoken with me. I work diligently with them during the bankruptcy process. I smile with them when they receive their discharge. They then go on and tell their friends and family about me, encouraging them to call me, when they are facing those similar struggles.

I believe that clients should look for someone who is a good listener and empathetic toward their needs. Clients should look for someone they can trust.

Local knowledge is very important. I am knowledgeable about local court customs and rules; I know and can implement the exemptions the State of Montana has in place to protect the clients I help. I also live here in Montana with you. I care very much that you succeed in achieving your financial fresh start.

During our free consultation, I will discuss many bankruptcy options with you. I will explain the differences between Chapter 7, Chapter 13, and Chapter 11, and I will describe the benefits of each. There are certain parameters for each Chapter, but there is also a fair amount of choice. I will present each option and help you find a possible solution that will align with your financial goals moving forward. If bankruptcy is not the best option for you, I will provide you with feasible alternatives as well.

I ask that clients share details of their financial story during these phone calls, so that I am better able to help them answer questions that they have about bankruptcy. I also recommend that clients write down their questions before the phone call to ensure that any questions they have are addressed.

I believe it is that extra minute of care and attention I give. I am patient and kind. I understand the uneasiness, the struggles, and many times the fear my clients experience. I don\'t take for granted these feelings, as I help them navigate the bankruptcy process.

It is most rewarding to get the phone call months after a case is complete - to hear a prior client cheering because they bought a car, got a new job, moved into a new place, and feel so relieved and happy in not being weighed down by all the debt.

Besides being a lawyer, I am a wife and mother. I practice law with my husband, Dan. We have four children who fill our lives with joy and four pets who keep us busy. I enjoy reading, writing, and exploring Montana.

I give back to my community as much as I can. I participate in quiet ways - donations to the food bank and contributions to those in need. I love live theatre and volunteer as an usher at Missoula Children\'s Theatre with my husband.