We make it easy to afford your bankruptcy fees. First, we offer a free consultation. At your consultation we will go over your situation and quote a flat fee. We don’t charge for every phone call with you or creditors. You will know exactly how much your bankruptcy will cost – no monthly billing statements itemizing unexpected work! We estimate how difficult your case will be and prepare a fee agreement based on that estimate.
We can set you up with an affordable payment plan. Once you have learned which debt you can stop struggling with, you will have the money to make installments on your fees. Your relief from some bill payments will come as soon as you meet us. If you are able to pay our fees all at once, we can offer you a discount. A friend or family member can pay your fees as long as they realize that we work for you – you make the decisions and your information is confidential.
Usually we collect our fees before a Chapter 7 bankruptcy is filed. We can’t be a creditor in your bankruptcy case. However, if you are facing an emergency and have steady income, we can file your case with half the fees paid up front. In rare cases debtors face extraordinary hearings for complicated matters. Our fee agreement says we can charge for those but these situations are spelled out in our fee agreement and we can advise you on whether it is likely before you sign. In the vast majority of cases such complications are very unlikely.
In Chapter 13 cases, most of our fees are paid through your repayment plan. We charge a portion up front with the balance paid through the plan. All attorneys must have Chapter 13 fees above a certain amount approved by a bankruptcy judge who is there not only to make sure your creditors are being treated fairly but that you are as well.