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The bankruptcy court charges $274 to file a
Chapter 13 case, and $299 to file a Chapter 7 case.
My fees will vary, depending on the chapter and complexity of your case.
In a Chapter 13 case, I will be paid the majority of my fees automatically as
you send your monthly payments into the Trustee.
For a Chapter 7 case, I can usually get your case
started and contact your creditors for a small up-front retainer in addition to
the $299 filing fee. The balance of
your Chapter 7 fees, however, must be paid in full before your case is actually
filed.
In either chapter, I will always do my best to work with you on the payments so
that the cost doesn't prevent you from seeking relief.
One bit of free advice: If your credit is already
"shot" and you're reasonably certain that you'll file bankruptcy, go
ahead and stop making credit card payments.
Save a month or two of those payments to cover your attorney fees and
costs of filing. In my opinion,
it's bad planning to be current on your credit card bills on the day your
case is filed: paying until the bitter end will not earn you any “points” on your
credit score.
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