BANKRUPTCY RETAINER AGREEMENT - CHAPTER 13

1. Payment plans: HAIGLER LAW FIRM (Dave Haigler, Att'y), hereby agrees

to represent _____________________ on a Chapter 13 Bankruptcy, in considera-

tion of one of the following plans for fees (our costs are included) incurred

and to be paid at P.O.B. 3311, Abilene, Texas 79604 (choose one):

a) [ ] A one-time charge of $875, plus $225 for all expenses including

court costs, photocopies, postage, telegrams, toll calls, and which is

payable in advance; or

b) [ ] Payout fees of $1,750, with $375 at hiring and another $375 down

before filing, and $333.33 per month for 3 months, plus $225 for all of the

above expenses, with expenses payable prior to filing.

(out-of-town and business filings are 40% extra.) Regardless of payment

plan, services hereunder are indivisible and so all fees are deemed fully

earned at the time the services are initiated.

2. This covers: A Bankruptcy with only one creditor meeting, three se-

cured creditors, up to 15 unsecured creditors, and the review of up to 2

reaffirmation agreements, which is all that most simple bankruptcies need.

Plus any extras that later accrue under para. 3.

3. Complications: Our budget fees are designed so as not to charge you

for things that most people don't need in a simple bankruptcy, such as:

a) over 3 secured creditors, for which we charge $50 each extra, and

b) over 2 reaffirmation agreements, for which we charge $50 each extra, and

c) over 15 unsecured creditors, for which we charge $25 each extra, and

c) amended schedules, due to client giving data late, for which we charge $100 each;

d) and over 1 creditor meeting, for which we charge $120 per hour extra, whether done by

the undersigned or by associate attorneys, and $40.00 per hour for all legal assistant

services (the 1 standard creditor meeting is what everybody needs); the kinds of things

that rarely happen, and for which we charge extra in complicated cases are, e.g., disputes

with the Trustee, Contempt Motions, Motions to Avoid Liens, Responses to Motions to Lift

Stay, Objections to Plans, Complaints to Determine Dischargeability, Objections to

Discharge, and any others, including all preparation time, and including 0.3 hours minimum

for each interruption or telephone call.)

4. Competitive rates: By signing this agreement, you are assuring us you

believe our charges are competitive. If you feel you can find a better ar-

rangement with some other firm, we urge you to talk to them first.

5. Interest: We charge interest at twelve percent (12%) per annum upon

any balances that have been past due for thirty days or more.

6. Disclaimers: The fees mentioned herein do not include any appeal, or

retrial, unless specifically quoted. It is expressly understood and agreed by

the client that NO PROMISES OR GUARANTEES AS TO THE SUCCESS of this case have

been made by the attorney, but attorney shall exert his best efforts on

client's behalf.

7. Withdrawal: Should client change his or her mind about the work to be

done, the way it is to be done or the objectives sought, attorney shall nev-

ertheless have the right to be paid for all work done and costs incurred,

with the right to withdraw if the client and attorney become uncooperative

with one another.

8. Communication: The usual way we keep you advised is by the initial

interviews with attorney and support staff, and by sending you copies of all

papers filed. We will not call and explain everything sent, after the first

meeting. If you have a question, please call the support staff, or ask for

an office appointment with the lawyer (who is usually in court or in meet-

ings). Please let the attorney know if support staff have not provided the

information you have requested.

9. GRIEVANCES: CLIENTS FURTHER ACKNOWLEDGE UNDERSTANDING THEY CAN FILE

A COMPLAINT AGAINST ATTORNEYS FOR PROFESSIONAL MISCONDUCT WITH THE TEXAS BAR

ASSOCIATION, GRIEVANCE COMMITTEE, 203 W. WALL ST. #106, MIDLAND, TX 79701.

Agreed to on this ______ day HAIGLER LAW FIRM

of ___________________ 20__.

____________________

Client:_______________________ Client:____________________________

Home Phone: Work Phone:

Home Address: Work Address: