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Bankruptcy FAQ

Questions We Get About Bankruptcy

  • What does a bankruptcy cost?

    It depends; every case is different. This isn't coupon carpet cleaning where one price fits all (until they tell you it was just 2 rooms). A single unemployed renter and a married employed homeowner with a family are different situations, and yes, will have a different fee because there's a lot more in play in the latter. Once we have a chance to talk and we find out what we're getting into, we'll give you a flat fee in writing.

  • My case is the easiest one ever. Now will you tell me the fee?

    Not until we meet and talk. Oddly, everyone says they have the easiest case ever, but they don't know the law and how it could really muck things up. But we promise that if your case really is the easiest one ever, trust that we'll and give a very competitive fee since we want your business.

  • If I can't pay my debts, how can I pay you? Do you have a payment plan?

    Yes, we have a flexible payment plan. And we'll accept a lot less than your credit card minimum payments will take. When you finish paying, we'll finish working, then file your case. We don't charge interest. We're patient. And affordable, especially when you consider the value you're getting. We've stayed in business for years helping people who have no money. It's doable if you put your mind to it.

  • What is the difference between Chapter 7 bankruptcy and Chapter 13 bankruptcy?

    A Chapter 7 means you don't have the ability to pay your debts, so you don't have to... but beware, you can lose things. Chapter 13 means you keep all your stuff, but you can afford to make a debt consolidation payment.

  • Why would anyone ever choose to file a Chapter 13?

    Lots of reasons. It's a way to force your mortgage lender to stop foreclosure while you pay back the lates. It's a way to stop the IRS and Franchise Tax Board from hounding you while you pay back your tax debt. It's a way to lien-strip a second mortgage.

  • If I don't have any of those situations, can I file Chapter 7 bankruptcy?

    Maybe, but sometimes you don't get to choose if you make too much money. The higher your income is, the harder it is to file a Chapter 7. The means test decides.

  • What is this Means Test that decides who gets Chapter 7?

    It's a long form that reminds some people of a tax form that calculates things based on a mixture of your actual expenses and others that the Department of Justice allows to you spend. If you're close to the borderline of income, you can retain us to run your numbers to see if you qualify before you commit one way or the other.

  • Will I lose my car/house/iPad/yacht if I file bankruptcy?

    It depends. If you're financing something, you need to keep paying for it if you want to keep it. Plus, remember that Chapter 7 is liquidation bankruptcy where you can lose things, especially if there's equity in that house or car.

  • Will you guarantee my case will go through?

    No, that'd be unethical. But our track record is a 99.99% success rate on Chapter 7 cases, and our success rate for getting Chapter 13 bankruptcy cases confirmed is much higher than the national average. What we can assure you is that we'll try our best to answer your questions in a way that's easy to understand, while treating you with dignity, compassion, and respect.

  • Do I have to go to court? Does your price include full service?

    Yes, and yes. You have to testify that the papers you signed under oath are true. And don't worry, you'll be totally prepared for it, and the same attorney you consulted with and who signed your papers with you will be by your side. That's part of the full service. Our one flat fee covers all the services covered in a typical bankruptcy. There are no hidden fees or surprises.

  • I'm really excited to get a fresh start. What do I do next?

    Easy. Call us at the number at top, or fill out the form below, and we'll call you ASAP to arrange a no-pressure consultation with an attorney. Then we'll explain how the process works, go over your options, and give you a quote for our fee. And then you go home and pray about it, talk to people you trust, and then, only if you want, you return to hire us. And then the ball is rolling!