The grand total you pay is a flat $1,400.00, regardless of the amount of work done and time spent in the Chapter 7 case and regardless of whether you are single, married and filing alone, or a married couple filing together. There are no hidden fees on top of that amount. Of that amount, $338.00 is used to pay the Court filing fee, $14.95 is used to pay for your 1st required credit counseling course and $9.95 for your 2nd required credit counseling course; and I pay $28.00 per person for a credit report from those funds. I pay myself what remains. I believe this is one of the best deals in the local area, especially given my 20 years of experience.
I have no hidden fees, no fine print, or tricks. I don't charge for time spent talking to you or returning your communications. I don't charge for reviewing and approving reaffirmation agreements with creditors. I don't charge for making necessary revisions to prepared bankruptcy documents. All of these efforts are part of the package and are services provided for the low flat fee you pay of $1,400.00, as detailed in the bold print above.
For the mandatory credit counseling, one of the best and least expensive sites that I recommend is Debtorcc.org. They are one of the least expensive agencies; and if you use them, I pay the credit counseling fees for you, which otherwise you would pay.
I also need a credit report for each person filing, at least from one credit bureau; I cannot file a bankruptcy just based on a handwritten list of creditors, as I must do due diligence to ensure your bankruptcy documents I file with the Court are accurate. I pay for and run your report which uses Transunion and Experian, which should include all your creditors. If you wish to run your credit report through Equifax or any agency for me to review and use, you may do so at your own expense.
If you are not legally married, then you cannot file jointly together with someone else, regardless of whether you live with them. However, married persons going through a divorce or simply physically separated and living apart can in fact file jointly together, although they must be cooperative in doing so.
While I may or may not be the most inexpensive local bankruptcy attorney, from what I have heard, most local attorneys are charging in the $1,600 - $1,800 range for the same service for which I charge $1,400. Also, many of these attorneys have not filed as many bankruptcies and been practicing as long as I have...more than 1,600 Chapter 7 bankruptcy cases, of which over 99% were successfully discharged and freed of debt, over the past 20 years.
I recognize that you are considering bankruptcy because you're broke and have bills you can't pay, correct? So why should it cost so much to file? It shouldn't, and so I keep my price as low as I can, in my opinion, while still earning a decent living for someone who is an experienced attorney.
WE ARE A FEDERALLY DESIGNATED DEBT RELIEF AGENCY PURSUANT TO TITLE 11 OF THE U.S. CODE.
WE PROVIDE LEGAL ASSISTANCE AND HELP PEOPLE FILE FOR BANKRUPTCY RELIEF UNDER THE BANKRUPTCY CODE.