Documentation & Credit Counseling
Documentation needed to file your bankruptcy case will be provided in detail at your initial free consultation. All Chapter 13 bankruptcy cases will require last year’s tax return, pay devices, or pay stubs for all pay periods within the last 60 days, evidence of all income earned in the prior six months, and a certificate of credit counseling. Counseling services are offered by multiple reputable companies.
Our client resource page has links to websites available to help debtors with the credit counseling process. It is not very burdensome. Generally, it includes filling out a list of assets and debts and submitting the documents to an approved agency. Once the agency has the documentation a counselor needs to speak to you for approximately 10 minutes. You can do the counseling class in person, by phone or over the internet.
Fees Associated With a Chapter 13 Bankruptcy
The fees associated with a Chapter 13 bankruptcy can vary, but in most cases, we will file your Chapter 13 bankruptcy for an attorney fee of $600 plus the court filing fee of $313. Our firm can be retained for $300. Once you have retained the firm you can direct all creditors to our office. The retainer fee is not an additional fee but is applied towards your initial $600 attorney fee. The total fee on a base case to file a Chapter 13 that will impose an automatic stay and stops all collection efforts by creditors including lawsuits, harassing phone calls, garnishments, etc. is $913.
Once the initial $913 is paid your case can be filed. The attorney will quote, in your free consultation, attorney fees that get paid after the filing of your case through your Chapter 13 plan payments. The fees are for a standard consumer bankruptcy. If you own a business or have complexities to your case the fees may vary based upon the facts. Our fees are very competitive, we realize you are currently in a difficult financial situation.
Chapter 13 bankruptcy is designed to relieve debtors of their financial burdens through reorganization of debt. A discharge of any unpaid debts is obtained after all plan payments have been made. These debts include unsecured debts including, but not limited to:
- credit cards
- medical bills
- signature loans
- payday loans
- collection accounts
- repossession deficiencies
- cellular bills
- lawsuit judgments
- utility bills
- some tax liabilities
Debtors can also get relief from secured debts they have, for example, house or vehicle loans they cannot afford, without any deficiency amounts owed to the creditor after the surrender of collateral. In addition, Chapter 13 plans are useful for paying tax liabilities and child support arrearages both debts that are generally considered non-dischargeable.