Chapter 7 stops lawsuits, garnishments, collection calls, etc., immediately upon filing.
We generally charge an attorney fee of $575.00 for individual Chapter 7 cases, and $675.00 for joint cases. The filing fee for Chapter 7 cases is $335.00 (the same for individual and joint cases), and the cost of required credit counseling classes is roughly $20.00.
If you’re unable to afford the costs above, call us anyway! We can likely find a way to help, and there’s no charge for consultations.
Chapter 13 is a 3 - 5 year repayment plan, that can save homes from foreclosure, cars from repossession, as well as do everything Chapter 7 can do. It has other debt relief “tricks” too, for example, you might be able to eliminate a 2nd mortgage or reduce the balance on your car loan to what it’s worth, saving you thousands of dollars.
We generally charge between $1500.00 and $3,000.00 for pre-confirmation Chapter 13 cases, but we can file these cases for very little (and sometimes, nothing) up front. Your attorney fee can be paid in installments in Chapter 13 cases, through your payments to the Trustee. There is a $310.00 filing fee for Chapter 13, and pre-filing credit counseling will cost you 10 bucks (or so).
If you’re facing foreclosure, you need to file before the Sheriff’s sale happens. Call us to discuss options - consultations are free!
We represent both debtors and creditors in adversary and other contested proceedings in bankruptcy court. Typically, we charge our low hourly rates for representation in these cases, and payment plans are always an option.
If you’ve been sued in your pending bankruptcy case, or you believe you could bring a claim in a pending case, call us. We may be able to protect your rights on terms you can afford.