However, far and away, more people in Chandler, Maricopa County, Arizona simply want to get rid of their debt and seek a “Fresh Start“. Chapter 7 Bankruptcy provides an attractive choice for Chandler residents as they simply eliminate their heavy debt burden without paying any of it back.
How much does it cost to file a Chapter 7 Bankruptcy?
The mandatory fee you will pay to the court for a Chapter 7 bankruptcy is $335. However, if you can’t afford the filing fee, you may be able to have it waived or pay in installments. Plus, the bankruptcy court is likely to deny these requests if you are represented by an attorney unless they are working pro bono (for free).
Attorney fees in a chapter 7 bankruptcy vary a lot. Plus, your attorney’s fees will likely be substantially higher than the court filing fee. Chandler bankruptcy lawyer cost vary. Likely, debt relief lawyer fees are based on a few other factors. For instance, if your case is highly complex, your Chandler BK Attorney may need to charge a bit extra. Also, attending additional hearings such as a reaffirmation hearings may come with an added fee.
Keep in mind, an experienced attorney with a good reputation usually charges a greater fee than a newer attorney. Experience matters! Lastly, some attorneys offer special services like $0 down payment plans. Attorneys often must charge a premium to be able to offer such programs. You will also need to pay for your credit counseling courses, but these fees are negligible compared to the filing fee and attorney’s fees.
How much does it cost to file a Chapter 13 Bankruptcy?
The attorney’s fees for a Chapter 13 are typically much higher than for a Chapter 7. However, you may be able to reach an agreement with your attorney for a small amount down, and work the rest of your attorney’s fees into your payment plan. The court filing fee for a Chapter 13 bankruptcy is $310.
How long does a Chapter 7 Bankruptcy stay on a person’s credit?
Chapter 7 Bankruptcy in Chandler remains on your credit for 10 years from the date your case is filed. Consult our Chandler Zero Down bankruptcy team for details.
How long does a Chapter 13 Bankruptcy stay on a person’s credit?
Chapter 13 Bankruptcy remains on your credit for 7 years from the date your case is filed. This is a shorter period of time than a Chapter 7. Contact our Chandler Bankruptcy team for details.