When it comes to meeting with a bankruptcy attorney, the thought alone can bring up feelings of anxiety or embarrassment. Most people associate bankruptcy with a slew of negative things, but it’s important to remember that our job isn’t to push you into filing for the sake of filing. Our job is to help you find the best solution to your financial problems, whether that solution is bankruptcy or some other alternative. If you’re interested in learning about how bankruptcy works or whether it may be right for you, you’re in the right place. Click here to schedule a free consultation.
Every law firm has their own process, ours begins with an initial consultation that lasts anywhere between 40 to 60 minutes. A good consultation focuses less on filing, and more on your assets and how to best protect them alongside dischargeability of your debt. Learn more about our team here.
Chapter 7 is often called the “fresh start” bankruptcy because it eliminates the vast majority of your debts. This option is best for people with minimal income, little to know valuable property, and are unable to pay their current debt. There are a few types of debt that can’t be discharged like child support, alimony, certain tax debts, student loans, and criminal restitution judgment.
Chapter 7 Filing Qualifications:
• No prior bankruptcy discharges in the last 6-8 years (depending on the type of bankruptcy previously filed)
• Must pass the income based “Means Test”
Filing a bankruptcy is a huge financial step that should not be taken lightly. Anyone considering filing bankruptcy should consult with an experienced attorney.
- Welcome to Harvey Wurie (30 - 60 min)
- FREE, no obligation
- In person, via phone, or Zoom
- Review & Sign (60-90 min)
- Approximately four weeks after filing
- Last for approximately 5 - 10 minutes
- Trustee verifies information is correct
- Approximately 90- 120 days
after the 341 meeting
$365.00 – Includes your filing fee and credit counseling course. These costs must be paid prior to filling.
$0.00 down and easy payments of $150.00 - $200.00 per month. Payment on our fee does not start until after you file. A promissory note is required if fees are not paid in full.
Chapter 13 is either called the “Debt Consolidation” bankruptcy. Every Chapter 13 bankruptcy is different. Some clients pay some, or all of their unsecured debts (interest-free) over 3-5 years. The payment is solely based on debts proposed to pay in the case. Visit our cost calculator to calculate your estimated payment.
Chapter 13 Filing Qualifications:
• Unsecured debt cannot exceed $465.275.00
•Secured debt can’t exceed $465,275.00
• You must have regular monthly income
- Welcome to Harvey Wurie (30 - 60 min)
- FREE, no obligation
- In person, via phone, or Zoom
- Review & Sign (65-95 min)
- Approximately four weeks after filing
- Last for approximately 5 - 10 minutes
- Trustee verifies information is correct
- Typically, attendance is not required
- Trustee withdraws objections
- Court approves payment plan
- Super Discharge
- After all payments are complete
$338.00 – Includes your filing fee and credit counseling course. These costs must be paid prior to filling.
In Chapter 13 payments are paid through your monthly, bankruptcy payments; no payments towards attorney's fees will be paid, until your case is approved by the Court. The attorney fee for a Chapter 13 bankruptcy is $4,000.00; however, there may be an additional $250.00 each, for unordinary complications.
Although our attorney-client contract reserves the right to charge additional fees above what is customarily charged for routine cases, we do not file fee applications, unless the case becomes overwhelming complex, or complicated. We will always consult with you first before seeking additional compensation.
Since the attorney's fees include expenses for multiple events that you will likely encounter during the 36 - 60 months that you are in your case. If those select events do not occur, we remit any reimbursements to your Chapter 13 trustee to help you payoff your case quicker.