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Costs of Filing Bankruptcy in Missouri

Learn About the Filing Process and the Fees

As a firm that only practices bankruptcy law, we realize the cost of filing Chapter 7 or filing Chapter 13 in Springfield Missouri is a primary concern for clients. The Licata Bankruptcy Firm makes every effort to keep our fees fair and transparent.

We Offer Exact Fees, No Extra Charges, and Payment Plans

In the initial free consultation, you will be quoted an exact fee for representation in the case. The fee quoted covers the entire bankruptcy representation, except for rare circumstances which will be explained if applicable to your case. We don’t add additional fees for services such as phone calls, letters, the number of creditors you have, reaffirmation agreements, etc. You will know the exact fee for your case after the free consultation. Also, our firm offers payment plans to allow you to get your case filed as quickly as possible.

What Happens During the Free Consultation?

Our free consultations are designed to educate you about the bankruptcy process and to evaluate the time and cost needed to prepare and file a bankruptcy petition. An efficient process and accurate bankruptcy petition will ensure the best possible outcome for your bankruptcy case. It is important to fully understand the needs of each individual and develop a plan to manage the costs of filing a bankruptcy.

Contact Licata Bankruptcy Firm online or call (417) 213-5006 for a free initial consultation. We serve throughout Missouri.

Cost of Chapter 7 Bankruptcy

The total cost for a Chapter 7 bankruptcy will vary depending on the facts of the individual case. Complexities such as owning a business or being self-employed often require a significant amount of time that is not necessary in every case. If it is determined in the free consultation your bankruptcy case will require additional fees, we will openly and honestly explain the fees and why they are necessary. However, the vast majority of cases are filed at our base fee.

In most cases, the cost to file a Chapter 7 bankruptcy will be:

  • An attorney fee of $600
  • A court filing fee of $338

The total fee to file a Chapter 7 bankruptcy and stop collection efforts by creditors including lawsuits, harassing phone calls, garnishments, etc. is $938.

Our firm can be retained for a fee of $300 to refer creditors to our office. This is not an additional fee, it is applied to the initial $600 attorney fee owed pre-petition. Once our firm is retained, you have secured our legal representation for your bankruptcy proceedings and may let creditors know you have hired an attorney. Our staff is trained to handle any creditor correspondence needed. Referring creditors to our office will reduce the phone calls you receive personally or even at your place of employment. The retainer appointment is the first step to stop a creditor from calling your employer or family members. Once $938 has been paid, we will proceed with filing your case. In your free consultation, the attorney will quote post-petition fees, which are fees due after the filing of your case and are based upon the facts of your case. The filing of the case immediately creates an automatic stay that legally prohibits all collection efforts. Our firm will allow any post-petition fees to be made in installments. We offer flexible payment options to meet your needs. These fees are for a standard Chapter 7 bankruptcy case.

The Cost of Chapter 13 Bankruptcy

The costs to file a Chapter 13 bankruptcy are similar to the costs to file a Chapter 7 bankruptcy. However, one major benefit of Chapter 13 is the ability to have most of the Chapter 13 attorney fees paid through the Chapter 13 plan.

Chapter 13 cases are typically filed for:

  • An attorney fee of $600
  • The court filing fee of $313

Our firm can be retained for $300. Once you have retained our firm, you can direct all creditor collection efforts 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 typical Chapter 13 case that will impose an automatic stay and stop 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. In your free consultation, the attorney will quote any attorney fees that will be paid after the filing of your case through your Chapter 13 plan payments. These fees are for standard consumer bankruptcy. If there are complexities to your case, the fees may vary. Our fees are always competitive. We realize you are in a difficult financial situation and will work with you to develop a plan of action.

Why Choose Licata Bankruptcy Firm?

At Licata Bankruptcy Firm, our team treats everyone with respect, compassion, and honesty. We will openly discuss the cost to file your case and ensure you completely understand the fees involved before your free consultation is concluded. Our fees are always fully disclosed and are competitive with other firms. We offer competitive pricing with first-rate legal services. Your attorney will personally spend the time to prepare and monitor your case for success.

Reach out to a bankruptcy lawyer near you. Give us a call at (417) 213-5006 to schedule a free consultation today. We have offices in Springfield, Branson, and Lebanon.

How to File Bankruptcy in Missouri

Because bankruptcy is within federal law, filing for bankruptcy in Missouri works the same way as it would in any other state. The only time Missouri state laws are involved is when needing to determine the property you may keep in your bankruptcy case.

Below are the basics on how to file for bankruptcy in Missouri:

  • Understand your options -- learn more about Chapter 7, Chapter 11, or Chapter 13
  • Determine which option will erase your debt
  • See if you can keep property
  • Determine if you are eligible to file
  • Stop paying qualifying debts
  • Compile required financial documents (last 6 months of paycheck stubs, bank statements; last 2 years' tax returns; current mortgage, car loan statements, etc.)
  • Attend an approved credit counseling course (online or via phone)
  • Complete and file for bankruptcy
  • Provide copies of financial documents
  • Attend the 341 creditor's meeting
  • (For Chapter 13 only) Attend the confirmation hearing and create a payment plan
  • File the debtor's education course certificate
  • Receive a discharge for your debt

Call (417) 213-5006 for Experienced Guidance

If you are fighting debt, reach out to the skilled bankruptcy attorneys at Licata Bankruptcy Firm PC. We can help you understand your options and help determine which route will work in your best interest. We have served many clients successfully throughout Missouri and we are prepared to help you face your debt or any of your financial matters head-on. Call us today to discuss your case.

Work with our experienced, compassionate bankruptcy team. Contact Licata Bankruptcy Firm online or call (417) 213-5006. We are conveniently located in Springfield, Branson, and Lebanon.

Real Clients. Real Reviews.

Read What Real People Have to Say
    I can't brag enough on Paige

    “I can't brag enough on Paige. She was very welcoming at my first appointment. Easy to talk to and explains everything so that you understand! I can not even start to explain how much she has helped me. I will always recommend her and Licata Law Firm to any”

    - Becky H.
    Paige and her staff are amazing to work with

    “Paige and her staff are amazing to work with. Every time I contact them regarding my case they are very open and responsive to my needs. They have gone above and beyond to help me get a fresh start on life after my divorce issues and I appreciate that so m”

    - Donnie D.
    I would highly recommend PAIGE WRIGHT

    “SHE WAS RIGHT! I would highly recommend PAIGE WRIGHT if you need a bankruptcy lawyer.”

    - Laurie W.
    I had a very unique and difficult case

    “The firm stayed in contact with me every step of the process and I never wondered where things were at. When my case was closed Jesse called me to let me know and said that I had a refund coming.”

    - S.J.
    We had a great experience

    “I felt very confident in them and we didn't have any issues when it became time to go to court or when we completed our discharge.”

    - Holly H.
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