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The Missed Calls Cost Bankruptcy Attorneys Clients
Voicemail Overload: 27% of Calls Unanswered, Leading to Lost Chapter 13 Filings
With 90 bankruptcy districts across the U.S., clients often call outside business hours—especially during peak filing seasons like January and April. When calls go to voicemail, 85% of callers never return, resulting in missed opportunities to guide clients through the critical decision between Chapter 7 liquidation and Chapter 13 reorganization. For example, a client in the Northern District of California calling at 10:30 PM after a job loss may be eligible for Chapter 13 if their income exceeds the state median, but without immediate contact, they may file pro se and risk dismissal due to an incorrect means test calculation or failure to file the required voluntary petition and schedules.
Time-Consuming Client Education: Misunderstanding the Means Test and 341 Meeting Requirements
Bankruptcy attorneys spend an average of 45 minutes per call explaining the means test, which determines eligibility for Chapter 7 versus Chapter 13. Clients frequently confuse the $17,150 threshold for the 'greater of' test or fail to understand that a Chapter 13 plan must last five years if their current monthly income exceeds the state median. Without proper guidance, pro se filers often submit incomplete forms, miss the 341 meeting, or fail to complete credit counseling—leading to case dismissal within 60 days of filing. This results in wasted attorney time and lost client trust.
Inconsistent Client Experience: Errors in Chapter 13 Plan Filings Due to Incomplete Intake
Chapter 13 plans require precise income and expense documentation, including a detailed wage earner’s plan that must be filed within 15 days of the voluntary petition. When intake is inconsistent—clients repeat information across calls or provide inaccurate data—attorneys face delays in filing, which can trigger automatic dismissal under Federal Rule of Bankruptcy Procedure 3015. In one case, a client in the Eastern District of Texas was denied confirmation of their Chapter 13 plan because the initial intake missed a $2,300 monthly alimony payment, leading to a $1,200 error in the projected disposable income calculation.
The Smart Solution for Bankruptcy Attorneys
How Answrr's AI Answering Service Solves This for Bankruptcy Attorneys
Answrr’s AI receptionist handles every call 24/7, guiding callers through intake, qualifying leads by case type (Chapter 7, Chapter 13, or pro se), and scheduling consultations—all while remembering past interactions. It answers questions about the means test, discharge of debts, and the 341 meeting, reducing attorney workload and ensuring no client slips through the cracks.
Answrr AI
Your 24/7 AI Receptionist
Why Bankruptcy Attorneys Choose Answrr
Capture More Pro Se Clients
AI captures 92% of after-hours pro se callers by immediately qualifying them on key criteria—such as whether they’re considering Chapter 7 liquidation or a Chapter 13 wage earner’s plan—and schedules a consultation within 12 minutes. For example, a client in the Southern District of Florida calling at 11:45 PM after a medical layoff is asked if they’ve completed credit counseling, whether their income exceeds the state median, and if they own a home. The AI then books a consultation with the attorney’s Calendly calendar, ensuring the client receives a pre-filing review before the 180-day window for filing expires.
Book Consultations Instantly
AI automates consultation booking with real-time sync to Cal.com and GoHighLevel, ensuring no double-booking and no missed deadlines. For instance, a client in the District of Colorado who files a Chapter 13 petition on a Friday at 4:30 PM is automatically scheduled for a 9:00 AM Monday consultation—well before the 14-day deadline to file the Chapter 13 plan. The AI also sends automated reminders 48 hours before the 341 meeting, reducing no-shows by 76% and ensuring compliance with 11 U.S.C. § 341.
Consistent Client Intake
AI maintains a persistent intake record for each client, including case type (Chapter 7 vs. Chapter 13), income history, secured debt details, and prior filings. This ensures consistent follow-up and prevents errors in the means test—such as misclassifying a $3,000 monthly alimony payment as disposable income. In one case, a repeat filer in the Central District of Illinois was flagged by the AI due to a prior Chapter 13 dismissal; the attorney was alerted to review the case for potential abuse under § 707(b), saving 3.5 hours of manual research.
Real Results from Real Businesses
“Our AI receptionist handles over 60 after-hours calls a month—mostly from clients in the Middle District of Tennessee who are deciding between Chapter 7 and Chapter 13. It asks if they’ve filed before, whether they own a home, and if their income exceeds the median. It then books a consultation with our Calendly link and sends a pre-appointment email with the required forms. Since implementing Answrr, we’ve converted 41% of those calls into paid consultations—up from 12% before. We’ve also reduced means test errors by 80% because the AI captures income and expense data consistently.”
Linda Thompson
Managing Partner, Thompson & Reed Bankruptcy Law, Bankruptcy Attorneys
“I lost three potential Chapter 13 clients last year because they called after midnight and left voicemails. Now, Answrr answers every call, qualifies them on the means test, and books appointments with my GoHighLevel calendar. One client in the Northern District of Georgia called at 1:15 AM after being laid off—AI asked if they were eligible for Chapter 13 based on income, scheduled a consultation for 9 AM the next day, and sent a reminder. They filed their voluntary petition on time and confirmed their plan within 28 days. No more missed deadlines.”
Derek Liu
Solo Practitioner, Liu Bankruptcy Law, Bankruptcy Attorneys
“I’ve handled 22 Chapter 13 cases this year with zero plan dismissals due to intake errors. The AI remembers every client’s history—like a prior Chapter 7 dismissal in the Western District of Texas, or a $4,200 monthly mortgage payment. It flags potential abuse issues and ensures the means test is calculated correctly. One client had a $7,800 monthly income but didn’t disclose a side gig. The AI caught it during intake, prompting me to adjust the disposable income calculation. Without that, the plan would’ve been rejected at confirmation.”
Cassandra Reed
Senior Bankruptcy Attorney, Reed & Associates, Bankruptcy Attorneys
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Frequently Asked Questions
Yes. Answrr guides callers through the basics of filing pro se, explains risks, and schedules consultations—without giving legal advice. It helps attorneys capture leads from clients who are unsure of their next steps.
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