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Why do you charge so much when I do all the work?

It may seem like you do a lot of work to be able to file bankruptcy but, really, all you are doing is getting together a bunch of documents so that your attorney can either review them to support what you are saying, file them with the court because the court says we have to, or figure out exactly what is going on with your finances because you cannot or so we can explain to you that what you believe is going on with your finances really is not.

Keep in mind that the office has to meet with you at least twice, and usually more than that. We have to review all of the documents and put them in order because clients usually do not (or the order they put them in doesn’t necessarily work with our system and the order we NEED them in). We also have to figure out what you still didn’t get to us, and put it all in a form or forms the court requires. We then have to scan the documents, file the package with the court over the internet, pay the filing fees for you at the court on our credit card and make and mail a copy of many documents to all of the creditors, in many cases, and pay for the postage.

In almost every file there are questions that the bankruptcy trustees, the court, the creditors and you have which we need to answer, which takes time. In every chapter 13 bankruptcy we have to mail to the chapter 13 trustee stacks of documents which we have to get from you and review before we send them. There is a lot of follow-up work with every chapter 13 bankruptcy file. Also, we take half the attorneys fees for a chapter 13 bankruptcy in the chapter 13 bankruptcy payment plan and usually have to wait six or more months before we actually are paid any of that money. It may take two years to get it all. If you do not make all of your chapter 13 bankruptcy plan payments and your bankruptcy case is dismissed, then the attorney gets none of the fee. This happens in a good percentage of chapter 13 bankruptcy files.

Finally, we also have to pay the bills so we can stay open and give free first consultations to everyone, otherwise, you would have to pay for your first visit. And, most importantly, you have to look at what you are paying the attorney versus the amount of debt you are discharging.

  • Learn More About Bankruptcy

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    No, not unless you committed a crime in the creation of the debt (for example, fraud). Simply borrowing money and not being able to pay it back is not a crime. Many creditors representatives will tell you lies on the telephone and say that they will have you put in jail. Perhaps they are too ignorant to know they are wrong or that it is illegal for them even to say that. See More Bankruptcy Q&A