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I/We have retained McDonald Law Offices, PLLC to represent us in bankruptcy proceedings. In an effort to avoid a delay in the filing of the case, I/We may elect to pay all or part of the pre-petition attorney's fees owed to McDonald Law Offices with a credit card(1) . I/We have been advised and understand that using a credit card to pay for the bankruptcy attorney's fees may result in the financial institution filing an objection to the discharge of the portion of the debt incurred on the credit card to pay the fees. In the event that an objection is filed, I/We will agree to enter into an agreement with the financial institution to repay the amount in question including any fees and costs incurred by the financial institution.
(1) Pursuant to the United States Supreme court decision in Milavetz v. U.S., 130 S.Ct. 1324 (Decided 3/8/2010), advice to incur more debt because of bankruptcy, as prohibited by 11 U.S.C. 526(a)(4) will generally consist of advice to "load up" on debt with the expectation of obtaining its discharge- ie., conduct that is abusive per se. Section 526(a)(4) prohibits a debt relief agency only from advising a debtor to incur more debt because the debtor is filing for bankruptcy, rather than for a valid purpose.