Costs of Filing Chapter 7 and Chapter 13 in Springfield, Missouri
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. 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.
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.
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 plus the 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.
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 plus 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.
At Licata Bankruptcy Firm, we treat 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.