howmuch

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.

We charge $999 + $100 per job, excluding only the credit counseling costs, which are as low as $40.
Single not working = $999
Single and working = $1099
Joint, one working = $1099
Joint, both working = $1199

We cannot file your case until you have paid the full amount, and the filing is what stops garnishments and collection efforts. But, for less, we will start working on your case and tell your creditors you are filing through our office.

Pay 1/2 the total retainer (at least $500), and we will have a draft of your bankruptcy paperwork done within 4-12 days. Then pay off any balance to us, and we will promptly file your case..

Cash. Money Order. Cashier's Check. Personal Check. PayPal. Debit Card. Visa or Mastercard that a third party lets you use [Do NOT charge your own credit cards right before you file for bankruptcy, as that may negatively impact your Chapter 7 case].

How Much? We charge $999 + $100 per job in the household. Job means an employer or self-employment within the last 6 months. This amount covers the Court filing fee of $306, which we pay out of what you give to us. We also pay for a credit report out of what you give us as well. The only costs not included in this total amount are for the mandatory credit counseling, which averages $50 and which you pay directly.

It's ridiculous that the Court filing fee for a Chapter 7 bankruptcy is $306, higher than other kinds of cases. You file bankruptcy because you're broke. So it makes no sense that clients should pay high attorney's fees too after paying that." - Joel K. Mitchell, Attorney-at-Law

We have no hidden fees. We don't charge for reviewing and approving reaffirmation agreements with creditors. We don't charge for making revisions to paperwork we have prepared. We don't charge for running a credit report, and we pay the Court filing fee out of the money that you give to us.

The only seemingly-hidden fee is for the two parts of required credit counseling, which you pay directly. That is as cheap as $25 for the first part and $15 for the second, and I will refer you to whomever charges the least, as you don't get what you pay for in that regard.

Our typical client is a single person who works or a married person who lives with another adult who doesn't work. Either way, and regardless of whether the person you live with is your spouse or is filing the case with you or not, we charge $1099 for such a case because that is a one-income household.

If you are single or widowed and live off of only Social Security, you pay only $999, as we do not consider that as a "job" that requires an additional $100.

Social Security disability or income and/or monthly retirement or pension is not a "job" to me. Self-employment is.