As with any other type of legal representation, the question of what it will cost to file Chapter 7 is on the top of person’s list when they meet with our office for a consultation. Because this is a bankruptcy case, money is already a major issue for the person sitting in our office. If they are filing a Chapter 7 case, they do not have the money to pay their bills much less pay an attorney; therefore, the cost to file Chapter 7 becomes an issue.
The Standard Expenses Included in the Cost to File Chapter 7
The cost to file a Chapter 7 case includes set fees and expenses that the attorney cannot waive because they are paid to third parties. You must pay a filing fee to the court when your case is filed. However, if you are unable to pay the fee in full, you may petition the court to pay the fee in installments but you must meet the eligibility requirements before the court will grant your request.
You must also pay to take a mandatory Credit Counseling Course prior to filing a bankruptcy case and a Financial Management Course before you can obtain your bankruptcy discharge. Various companies are authorized to offer these courses. There are no standard fees for these course and many companies have low rates to compete with other companies. If you qualify, you may have the fees waived but you must discuss this with the company offering the course and your attorney.
Bankruptcy Attorney Fees
In addition to the standard fees paid to third parties, your attorney will also charge an attorney’s fee that you should add to the cost to file Chapter 7 bankruptcy. The actual attorney fee for filing Chapter 7 typically depends on the complexity of the case and other factors. Your bankruptcy case may not be as complex as your neighbor’s case; therefore, the cost to file Chapter 7 for you will be far less than your neighbor.
Because my office takes a personal approach as we help each client, I never like the “bait and switch” approach of quoting low fees simply to get people in the door. I prefer to give each person a free consultation so that I can learn about their financial situation to give them the best advice regarding how to resolve their debt problems. I then discuss the cost to file Chapter 7 if filing Chapter 7 is in the best interest of that person. I take pride on working with each client on an individual basis to make filing bankruptcy affordable and as stress-free as possible.
Contact an Experienced Mount Holly Bankruptcy Attorney
Personal Approach, Professional Service, Affordable Payment Plans
The Law Office of Travis J. Richards, LLC is a full-service Mount Holly bankruptcy law firm focused on Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, debt consolidation, credit repair, tax liens, student loans and foreclosure. We represent clients in Burlington County and throughout South Jersey.
Contact our office at 609-267-5297 to schedule your free consultation to discuss bankruptcy and non-bankruptcy alternatives. You may also use our convenient online contact form and one of our friendly, professional staff members will contact you to answer your bankruptcy questions and/or schedule a free consultation with Travis J. Richards.
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