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What Does It Cost to File For Bankruptcy

The following is not financial, bankruptcy, legal or tax or any other type of advice or counseling. Please contact a professional in the appropriate field to review your SPECIFIC situation.

The total cost of filing for bankruptcy can be broken down into two items.

Estimated Filing Bankruptcy Cost

  • Filing Chapter 7 costs $299
  • Filing Chapter 13 costs $274

Estimated Bankruptcy Attorneys Fees

If you hire an attorney to handle your bankruptcy and represent you in court if necessary your fees could range from $1,000 to $3,000.

In the case of divorce or business bankruptcy attorney's fees can be significantly higher as these cases are far more complex and time consuming.

Other costs of Filing for Bankruptcy

  • You may be required to take time off work to attend court.
  • You will need to spend a great deal of time completing an assesment of your assets and filing out legal paperwork.
  • You will have to pay for a required "debtor education course"

You can try to keep the attorney fees down by being well organized and well prepared. You may also be able to keep the fees down by not requiring the lawyer to attend the meeting of creditors with you. Check this with your lawyer. In some states such as Massachusetts, attorneys must attend the Section 341 meeting with the debtors otherwise attorneys are deemed to have NOT represented the debtors.

So although prices will vary you can expect to pay anywhere from $1,300 to $3,400 to file for bankruptcy.

Can I avoid Bankruptcy?

If you would rather avoid the stigma, cost and stress of a bankruptcy and still eliminate your debts you do have a legal and effective option.

  • Your debts could be reduced by up to 50%*
  • You could reduce your monthly expenses by half.
  • You don't need a loan, to be a home owner of even have good credit.
  • You don't have to file bankruptcy.
  • You only need to take a couple minutes to see if your financial situation qualifies. Which is FREE.

By making a request on our site you will get a free FULL consultation from a professional debt relief provider who will answer all your questions, determine if your situation is right for debt reduction, estimate how much your debt can be reduced by and estimate when you can be debt free. You will get any and all costs associated with their service free and UP FRONT before you make any decision. It only takes a few minutes to generate your estimate, but you may spend as much time as you wish getting your questions answered.

If at the end of this consultation you are comfortable with the service and debt reduction amount you can start right away. If you feel this is not the right solution for you, you have absolutely no obligation or cost. Simply thank your counselor and say goodbye.

It's that simple to find out if you can avoid bankruptcy and reduce your debts for free.
Start now with our easy 2 step consultation process below:

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We are Not offering a Government based or backed Bailout Program.

Chapter 7 11 13 is a referal service that puts you in touch with companies offering services you are interested in receiving quotes and consultations from. Chapter 7 11 13 is not an end provider of debt relief services nor are we part of any agreementor contract of services you may commit to with a debt relief company.

The content provided on Chapter-7-11-13.net is a general description of services. Actual benefits, costs and features of services will vary from company to company. It is up to you, the consumer to consult with the service provider and any professional you deem appropriate to educate yourself on all the details of their program before making any decision.

By completing a form on this website you are requesting a service to contact you, in most cases by telephone, regardless of your status on the do not call list (DNC). Forms on this website are for information requests only, mainly for quotes, they are never an application or pre-qualification for services. Chapter 7 11 13 evaluates carefully the service providers we put you in touch with, however we do not endorse nor are we responsible for the actions taken or services provided by any particular company that may be found by using the Chapter-7-11-13.net website.

Chapter 7 11 13 is not providing legal, financial, investing or any other professional advice. Although we believe the content on this website to be acurrate it is general in nature and does not fully describe the complex details of every debt situation or program you may decide to use. It is recommended that you always contact a professional in the appropriate field for advice before making any decision.

In no case should you, the visitor, believe that there is any gaurantee that a you will not have to file bankruptcy now or in the future. This type of claim is not possible since bankruptcy is YOUR decision. * Up to 60% Debt reductions shown are real examples of some of the higher potential debt reductions possible. The debt negotiation industry averages about a 50% debt reduction, plus fees for their service, your results will vary. Chapter 7 11 13 is not the end provider of debt relief service thus we do not gaurantee any debt reduction amount, this will be estimated by the debt relief company you choose to use.

Important Issues to Consider when Evaluating Debt Settlement or Negotiation Programs

Consumers should not use a debt settlement service if they are able to pay their minimum balances due each month. Nor should the join if they do not have a legitmate financial hardship.

1) late fees, penalties, and interest will continue to accrue on the consumer’s debt until the consumer’s creditors accept and receive a settlement; (2) a consumer’s creditors may still sue to collect on the debts and garnish the consumer’s wages; (3) interest rates applicable to the consumer’s debt may increase; (4) any money a consumer saves in negotiating a settlement with a creditor must be treated as income for tax purposes; and (5) a debt settled for less than the full amount owed may result in a negative notation on the consumer’s credit report.

Chapter 7 11 13. is not acting as a lender or broker. The information provided by you to Chapter 7 11 13 is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender. If you are contacted by a lender or broker advertising within our network, your quoted rate may be higher, depending on your property's location, your credit score, your loan-to-value ratio, debt-to-income ratio, and other factors.

Debt relief services may not be available in all states. It is your responsibility to confirm the debt relief service you choose is able to do business in your state.

Chapter-7-11-13.net is not liable for any loss resulting from a business relationship formed by you the consumer and an end service provider found using the chapter7-11-13.net website.

 

 

 

 

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