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Are you buried in debt? Are you constantly being harassed by creditors? Have you received a notice of foreclosure?

Filing for bankruptcy can help you put an end to all of these problems. At Jeff Field & Associates, our lawyers...


Bankruptcy Blog Post

I’m Thinking about Filing for Bankruptcy, but Can I Afford an Attorney?

In some cases, people come to the conclusion that bankruptcy is their last resort in order to regain financial control.  While there are filing fees and credit counseling fees that are required, many wonder how they can pay for a bankruptcy attorney if they can’t afford to pay their creditors.  Some folks even question paying for an attorney when those funds could be used towards paying the bills.  There are a few valid points to consider in this scenario while determining how you can pay for bankruptcy filing.

Fees associated with filing are not as expensive as you may think. You can and should compare your options when it comes to choosing an attorney, and those who are considering Chapter 7 bankruptcy usually get a great return on their investment.  Those who file Chapter 7 can have most of (if not all) their debts eliminated while also getting the fresh start they need.

You shouldn’t have to worry about paying any hidden costs since many fees are paid upfront or are considered a flat fee.  But, in many cases you can retain a bankruptcy attorney and make payments prior to your case being filed with the court.  With stipulations under the Fair Debt Collection Practices Act, creditors are not obligated to contact you and they are less likely to take any legal action against you as long as you have an attorney retained.

This leaves a few options you can consider discussing with your attorney as far as how to pay related fees including borrowing from friends/family members, using tax refund money, or even selling an asset before your case is filed.  As long as your actions are reviewed with your attorney before you file bankruptcy you can avoid any negative consequences during and after your case is completed.

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