How to Get Low Cost Chapter 13 Bankruptcy Filings
Filing for Chapter 13 bankruptcy is a catch-22. The filer is having trouble making ends meet, yet he has to pay hundreds of dollars he does not have to file for bankruptcy. A major expense in filing is attorney fees as well as court costs and other penalties. There are low-cost alternatives, if you are willing to do some research, and also do some of the work yourself.
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Instructions
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Compare costs of bankruptcy attorneys in your area. The process of filing is complicated and needs to be exact. For many people, an attorney is the only option. Luckily, no two attorneys charge the same rates, so call around and find the lowest one.
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Hire an attorney simply for preparation service. This is another low-cost option. While you do not get the lawyer's full attention for the duration of your bankruptcy trial, for a lower fee the attorney will ensure that all paper work is correct and properly filled out.
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Purchase software that guides you through the filing process. Generally, this costs nearly the same as hiring an attorney for preparation services. However, some filers feel it is beneficial to understanding the whole process to file by themselves.
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Download the paperwork at no charge from the US Bankruptcy Court website (see link in Resources). If you feel comfortable with your ability to file without any assistance, all bankruptcy-filing papers are available online. Be aware that information you record in this form is highly important to your bankruptcy case, and if you fail to record all your information properly, you will have further problems and complications relative to your bankruptcy proceedings.
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Tips & Warnings
File for bankruptcy in your regional federal bankruptcy court.
