9 Guarantee Program

How We Back Up Our Debt Relief & Bankruptcy Services in Stockton, CA

We have all heard people say, “There are no guarantees in life.“

However, at the Law Office of John Kyle & Gregory Smith, we have nine guarantees, including four money-back guarantees.

When you work with our bankruptcy team, you can count on our knowledge, experience, and the service we provide. Our guarantees are our handshake with you that you will be treated with the care and respect you deserve, that we know what we are doing, that you can count on us to get the job done, and that your best interest is our first priority.

Why do we do it? Because we know how scary bankruptcy can seem. It doesn’t matter how powerful the bankruptcy laws are, or how amazed you will be when you find out how bankruptcy really works, if you never find out about it. We want you to find out about it through your first, initial consultation with us – which is free.

We also want to take some of the “scary” out of bankruptcy. Our goal is help you feel safe in coming to see us, that we are not going to twist your arm or make you feel uncomfortable. That’s why we offer these guarantees.

The fact is that the bankruptcy laws are powerful. They are so powerful that we know you will be astonished at how much better off you and your family will be. But this can only happen if we get a chance to share this information with you.

Nothing is better at getting you out of debt, lowering payments, putting creditors under control, protecting your property, and giving you a “fresh start” than the bankruptcy laws.

Want to discuss your debt situation with one of our Stockton attorneys practicing bankruptcy? Arrange for your free consultation by contacting us online or at (209) 243-7560. We also have Spanish speaking lawyers available to speak with you immediately.

The Law Office of John Kyle & Gregory Smith Guarantees

Here is the list of our 9 Guarantees:


A FREE No-Hassle, No Strings-Attached, In-Person, In-Depth Analysis Of Your Entire Financial Situation.

A $150 to $300 value for FREE.

We call it a “Free Consultation.” However, that does not begin to do it justice. We’re not talking about a few minutes of our time. We’re talking about providing you a complete, in-depth analysis of your entire financial situation with an experienced professional. This can take up to one hour of our time. 

Check around. Other attorneys are out there who charge “up-front” fess ranging from $150 to $300 for the same service we provide for free.

We offer a free analysis of your financial situation for a reason. Before you come to see us, you have no way of knowing what, if anything, bankruptcy can do to help you, or what your options may be. For all you know, you may not have any options, and the last thing you need is another bill to pay. So, we offer the analysis for free. We take all the risk so you can get the answers you need and find out all your option without it costing you a cent

How can we afford to offer this in-depth analysis for free?

Here’s the answer. First, we want to help. People are in trouble thanks to a horrible and unrelenting economy. And there’s no end in sight. Second, we know that if we see enough people, enough of those people will sign up with us to make it worth our time. The truth is we don’t file a bankruptcy for everybody that walks in the door. Far from it. We only file about 30% of the people who walk in the door.

Why only 30%?

Not everyone needs to or wants to file. And some people just need answers. From experience, we know that some people are not ready to file and want time to think about it. Some people just want their questions answered or want to know what their options are. Others just come in because they are pressured to do so by friends or family. Some people don’t have enough to gain by filing bankruptcy while others have too much to lose. And, in some cases -- and we hope this is not you -- it’s just too late to help because the person waited too long to come in. Unfortunately, we see this a lot.

As for the other 70% of the people who come in to see us, we are happy to provide lots of good information and answers for free. We are glad to do it. It’s just one way we can give back to others.

And, if we treat you with the care and respect you deserve, and even if we can’t help you, hopefully you will tell other people about our office.

As you see, it’s a win-win situation for both of us. You get all the information and answers you need in a free, no-hassle, no-pressure, no-strings-attached setting and we end up with enough new clients to stay in business.

The fact is -- it’s worth it if only to ensure that you find out the truth. We want you to find out just how powerful bankruptcy is and how bankruptcy really works. Not what someone told you but how it really works. You will be shocked. The truth is that bankruptcy probably does not work the way you think. All those bad things you have always heard about bankruptcy are mostly not true and we would love a chance to prove it to you. The fact is that filing bankruptcy saves a lot of good, hard-working families. And we would hate to have your family miss out because of bad information.

We know that if you come in, listen and ask questions, we won’t have to put any pressure on you. When you know the truth and finally find out how bankruptcy really works and how great it is, bankruptcy will sell itself.

Maybe filing bankruptcy is right for you and maybe not. The good news is that you can find out for free. All we ask is that you: (1) Be honest with us and (2) Fill out our Initial Intake Paperwork.

Still skeptical? We understand. How about this? When you come in, don’t even bring any money with you.


100% GUARANTEE that “What You Say Here, Stays Here.”

This is our guarantee of privacy and complete confidentiality. Come in, sit down with us, tell us about your entire situation and your hopes and fears, and know that everything you tell us will be held in the strictest confidence. Your secrets are safe with us. This way you can feel free to tell us absolutely everything about your situation without even the slightest worry that anything you tell us will ever be revealed to anyone else outside the confines of our office.

Common sense conditions: All documents filed with the bankruptcy court and all the information contained in those documents will be a matter of public record. In addition, confidentiality cannot be protected with respect to prospective or continuing criminal or fraudulent conduct.


A Full Seven Day, Unconditional, No-Risk, Money Back, Satisfaction Guarantee.

We take all the risk on ourselves when you sign up with us and during the next seven days.* If, for any reason whatsoever before the end of the first seven days after you sign, you change your mind and decide not to file bankruptcy, just tell us and we will give you a full refund of every cent you paid us, no-strings-attached and no-questions-asked. It doesn’t get any better than that, especially with an attorney!  

*or until we actually file your case with the court, whichever occurs first.

If you have been overwhelmed with debt, that problem did not start yesterday. Likely, you have been struggling with your debts and losing sleep for months, if not years. You have gone through enough. You deserve to be treated right, to be treated with kindness, consideration, and respect. That’s our job. If you are kind enough to come in to see us about filing bankruptcy and we don’t treat you as we would want to be treated, you should get rid of us and go to another attorney for help. If we don’t treat you right, we don’t deserve the right to work for you. To show we really mean it, we are putting our money where our mouth is with Guarantee #3 as stated above.

In the meantime, all the risk is on us. You get a totally free initial consultation, a complete analysis of your debt situation, find out all your options, and, even if you sign up with us, a full seven days to kick us to the curb at no risk to you. 

In those seven days, if you are not completely happy and satisfied with our office, our people, and the help we have to offer, we have failed you. It’s that simple.

It’s a win-win situation for you. And, even if you tell us to give you your money back and take a well-deserved hike, here’s what you have gotten for free:

  • A guaranteed no pressure, no strings-attached, no holds-barred, free Financial Analysis.
  • A complete analysis of your financial situation, including a review of your assets, debts, income, expenses, and goals.
  • Answers to all your burning questions about debts and information about all your options, bankruptcy, and otherwise.
  • A full analysis of what filing bankruptcy can do for you and your family.

Why are we doing this?

Because we know that you have enough problems without us making life even more difficult and because we know that how we treat you is even more important to you than what we do for you. Offering you this guarantee is our way of proving it.

How to get your money back: one easy step. Simply notify us that you want do not want to file and you want your money back. To do this, simply email janice@johnkylelaw.com no later than 5:00 pm of the seventh day after you sign on with us. The date you sign up with us is the date you make your first payment to our office.

That’s all there is to it. No questions asked. We just give your money back, wish you well, and close your file.

Common sense conditions: *This guarantee will expire if, in the rare case, during the said seven days, we have already filed your case with the Bankruptcy Court.


If You Qualify For Bankruptcy, We Guarantee That The Bankruptcy Court Will Accept Your Case For Filing Or Your “Money-Back.”

This guarantee insures that, if you do your part, we will do everything necessary on our part to properly prepare all of the documents and paperwork in a manner that will be accepted for filing with the Bankruptcy Court.

If the Bankruptcy Court does not accept your case because of an error on our part, we will fix it, and if we can’t fix it, we will refile your case for free or we will refund 100% of your money, including the filing fee.

Common sense conditions: You have to do your part (See ** below).


Filing Bankruptcy Prevents Creditors From Calling. After You File Bankruptcy, Your Phone Will “Go Quiet.” 

That’s just how powerful the bankruptcy laws are. 

After you file, the creditors will stop calling and your phone will go so quiet that you’ll pick it up and check it just to make sure it’s still working. You’ll think it’s magic.

Now, that’s quiet.

When we say quiet, of course, we don’t mean absolutely quiet. You’ll still get calls from friends and relatives. We’re just talking about all the creditors listed in your bankruptcy case. Those calls will stop. All of them.

If, in the very rare case one of your creditors does keep calling, just let us know. We’ll take care of it. It’s illegal for your creditors to keep calling you and, if need be, we will haul that creditor by the collar in front of the Judge. 

No more nasty creditor calls. No more threats. And no more sleepless nights wondering how you are going to pay the bills you can’t afford. No more being afraid to pick up the phone. 

Nothing, absolutely nothing, makes the phone go quiet like filing bankruptcy.

Common sense conditions: This guarantee only applies to creditors you owe and which are listed in your bankruptcy case as of the date your case was filed.


If, After You File, Your Case Gets Kicked Out of Court Because We Mess Up, We Will File You Again for Free.

If you do your part and your case gets dismissed (which means kicked out of court) because of us, we will fix it. We’ll even pay your filing fee out of our own pocket. 

Common sense conditions: You have to do your part (See ** below).


If You Are Eligible For Bankruptcy And Do Your Part, You Will (For Sure) Get That All Important Bankruptcy Discharge Or Your “Money-Back.”

All you have to do is: (1) Be totally honest and up-front with us (2) Tell us everything about your situation, and (3) Do your part.** That’s it.

If you do the above and if, for any reason, you don’t get your final discharge, we will give you your money back. That means the entire attorney fee. The bottom line: If you do your part but we fail to do our job and, because of it, you don’t get your final discharge, we work for free.

Common sense conditions: **You do have to do your part. “Do your part” means that 1. You have filed bankruptcy 2. You have done nothing prior to discharge that makes it difficult, undesirable, unlawful, or unethical for us to continue representing you; and 3. You did not, before filing, and do not, after filing bankruptcy, do anything that would impede or delay the filing of your bankruptcy case or that would make you ineligible to remain in bankruptcy or to receive a bankruptcy discharge, including, without limitation, the following: 

You must:

(1) Fully cooperate with our office as necessary to get your case filed.

(2) Provide, in a timely manner, all the money, documents, and information necessary for us to get your case filed.

(3) Be honest and above-board with us, your Trustee, the Court, and all parties involved.

(4) Disclose all information required under the law.

(5) Fully cooperate with our office, your Trustee, the Court and all other parties involved during the entire time that your bankruptcy case is pending.

(6) Attend all required hearings.

(7) Not have done or do anything illegal that would make you ineligible for a discharge.

(8) If you are filing under Chapter 13, make all required Chapter 13 plan payments and do so on time.

(9) Not have lied, cheated, embezzled, or otherwise worked a fraud on our office, any of your creditors, your Trustee, the Court, or anyone else involved in the bankruptcy system.

(10) Have filed and provided to us all documents required under the Bankruptcy Code. This guarantee only applies to debts and bills you owe as of the date your bankruptcy case is filed and that have been listed in your case.

You do your part. We’ll do our part and you will get your discharge.


If We Mess It Up, We Will Fix It Even After You Get Your Bankruptcy Discharge.

We are very good at what we do for a living. We do bankruptcy full time, every day. We have helped well over 30,000 families try to get the “monkey off their back” and the “fresh start” they deserved. But we are not perfect. No one is. However, we stand behind everything we do and if we mess something up, we will fix it at no cost to you. 

This is not an idle promise. We’re serious about fixing whatever we do wrong at our own expense and, not just during your case, but even after you get your bankruptcy discharge.


Your Bankruptcy Discharge Will Get Rid Of Credit Card Debts and Medical Bills Or Your “Money-Back.”

We call it the 100%-Debt-Free, Money-Back Guarantee. You will come out of bankruptcy “debt free,” or at least with regard to the credit card debts and medical bills you listed in your bankruptcy case.

We’re talking about all your credit card debt and all your medical bills.

Common sense conditions: This guarantee only applies to credit card debt and medical bills you owe as of the filing date of your bankruptcy and that have been listed in your case. This does not include debts or bills that would constitute alimony, child support or a domestic support obligation, certain taxes, or where you incurred the debt to pay for taxes. It assumes that you have not engaged in any fraud or fraud-like activity that would render these debts non-dischargeable. It assumes the law as interpreted on or before 10/14/2013. This guarantee does not apply with respect to a debt you pay or feel you need to pay due to it being co-signed or where payment is guaranteed by someone else. If you file Chapter 13, it assumes that you “do your part” (see ** above), which includes making your Chapter 13 payments and doing so on time. Lastly, it assumes you finish your bankruptcy case to discharge.

Ready to learn more? Want to get started? Schedule your consultation with one of our Stockton lawyers with 30+ years of bankruptcy experience by contacting us at (209) 243-7560 today. 

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