Yes, we do. The initial consultation with an attorney is free. During the consultation, we will discuss your situation and options for filing bankruptcy. We will discuss the process for filing and the fees and costs of filing.
The attorneys fees depend on the type and circumstance of the case. The cost of the fees will be discussed at the initial free consultation. Chapter 7 fees do have to be paid before a case is filed; but most of the Chapter 13 fees can be paid through the payment Plan. The court cost to file Chapter 7 is currently $338 and for Chapter 13 is $313.00. In certain cases the court costs can be paid in installments or waived. The attorney can discuss those options with you.
· You can file a Chapter 7 once every eight years. If you have already filed Chapter 7 within the last eight years, you may still be able to file a Chapter 13 payment plan.
· Filing a Chapter 7 or Chapter 13 will immediately stop a wage garnishment for a court judgement or tax lien deduction. Bankruptcy cannot stop a wage deduction for child support or other domestic support obligation.
· In Chapter 7, you can keep a house or car up to a certain value. If you have a mortgage or car note, you will need to be current with the payment in order to file Chapter 7. If you are behind on the payment, you can file Chapter 13 and propose a plan to catch up on the payment.