Joni Marie Ritzi, Bankruptcy Attorney in Whiting, Indiana

Joni concentrates on bankruptcy, dui/dwi, estate planning, family law, and juvenile. Each area below outlines the kind of case Joni handles, typical outcomes to expect, and how the intake process starts.

• Bankruptcy

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• DUI/DWI

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• Estate Planning

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• Family Law

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• Juvenile

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• Personal Injury

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• Probate

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• Real Estate

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• Traffic

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• Trusts

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Joni's primary office is at 1322-119th St., Whiting, IN, 46394-0510. In-person meetings are by appointment; a phone intake usually comes first.

Working with a new bankruptcy attorney should feel structured. Here's how the first two conversations with Joni usually go, from the moment you request a consult to the day representation begins.

Joni discusses fees during intake so the arrangement fits the matter. Contingency, hourly, and flat-fee options are all common in bankruptcy practice — ask which fits.

• How much does it cost to hire Joni for a bankruptcy case?

  Cost depends on the type of matter, the fee model (contingency, flat, hourly), and how contested the case becomes. Joni walks through the likely range during the consult so there are no surprises.

• Does Joni offer a free consultation?

  Joni charges for the initial consult; that fee is credited toward representation if you retain Joni's office. Some bankruptcy attorneys offer free consults — check Joni's current terms during booking.

• How long do bankruptcy cases in Indiana typically take?

  Simple bankruptcy matters can wrap in a few weeks; disputed cases can run 6–18 months from intake to resolution, longer if the matter goes to trial. Joni gives a realistic estimate for your facts at the consult — vague answers here are a red flag.

• Can Joni take my case if I'm outside Whiting?

  Joni is licensed in Indiana. Matters governed by Indiana law are the natural fit. Out-of-state matters are handled case-by-case, sometimes with local co-counsel. Ask during intake — Joni will tell you if the case is a fit or refer you to someone closer to your court.

• What should I bring to my first meeting with Joni?

  Bring every document that touches the dispute: contracts, correspondence, police or medical reports, filed pleadings, invoices, photographs, insurance letters. Also bring a written timeline of what happened, in your own words. Joni will filter what matters — over-preparing at intake is always cheaper than needing a second meeting.

• Is Joni accepting new bankruptcy clients right now?

  Joni's intake status shifts week to week. Submit the form; the office will confirm availability or refer the matter out.