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The Federal Bankruptcy Code exists to give a fresh start to people struggling with overwhelming debt. No matter the circumstances that led to your debt, figuring out what to do to move forward and find a way out can be frustrating. If you’re an Aurora resident struggling with debt, filing for bankruptcy may be the right choice for you.
Thanks to pervasive negative stereotypes perpetuated by the media, many people think that working with an attorney means paying exorbitant fees for legal guidance. Our Aurora debt relief attorneys believe that legal guidance does not have to come at a mind-boggling price. We are committed to providing the experienced but cost-effective representation our clients deserve.
We can keep our costs reasonable because it just doesn’t make sense to charge high legal fees to Colorado residents who are already down on their luck. We understand that money is tight, which is often why you are seeking bankruptcy in the first place. That is why we offer low flat fees to El Paso residents seeking debt relief from Chapter 7 or Chapter 13 bankruptcy.
Don’t let inaccurate lawyer stereotypes keep you from seeking debt relief help from an experienced Colorado Springs area bankruptcy attorney. Thanks to our low flat fees, you can afford to file bankruptcy, and we’ll work with you to get you out of debt.
Many people struggling with debt are looking for the cheapest solution to their problem. Thanks to the widespread American “can do” spirit many people may ask themselves “why should I pay someone to do something I can do for myself?”
If you are looking for the cheapest way to file for bankruptcy, you can file pro se or without an attorney. However, our Aurora bankruptcy attorneys have found that many people who file pro se in Colorado tend to lose more money than they would’ve spent on an attorney in the long run.
Bankruptcy is a complicated process, and if any of the paperwork or procedures are incomplete or inaccurate, you won’t be awarded the benefit of a do-over. You should know that when you file a bankruptcy case by yourself, you are held to the same standards as an attorney.
Oftentimes, these cases end in easily-avoided disaster because the person was not aware of the many variables that affect a bankruptcy case. Some folks end up losing assets that could have easily been protected if they had an Aurora bankruptcy attorney to represent them.
As you will read in The Cost of Filing Bankruptcy section below, filing for bankruptcy pro se is NOT free. When all is said and done, you will ultimately end up saving money by paying the low flat fee our El Paso bankruptcy attorneys charge instead of trying to navigate the complex bankruptcy laws on your own.
If you’re reading this website, you’re probably curious about how much it costs to file a bankruptcy case in Aurora. Our CO bankruptcy attorneys understand that if you are facing debts and considering bankruptcy, you’re not in a position to spend a lot of money on anything.
That’s why both the Federal Bankruptcy Code and our Aurora debt relief attorneys offer low flat fees to file for bankruptcy. Detailed below is a general outline of what it will cost you to file for bankruptcy in Colorado.
The first bankruptcy-related cost you will likely encounter happens before you can submit your petition to file for bankruptcy. The Federal Bankruptcy Code mandates that anyone seeking debt relief through bankruptcy must complete two bankruptcy-related classes, a credit counseling course (that must be completed before you file for bankruptcy), and a debtor education course (that must be completed before the end of your bankruptcy case). These courses can range from free to $500 each depending on where they are taken. If you have engaged an Aurora bankruptcy attorney for your case, we can help you find an affordable option for both of these mandatory courses.
The next fee associated with filing for bankruptcy is due as soon as you file the Schedules. The Schedules comprise all of the paperwork you will need to submit for your bankruptcy petition, and can be found on the United States Federal Bankruptcy Court-District of Colorado website. The fee for a bankruptcy filing will depend on whether you file for a Chapter 7 bankruptcy or a Chapter 13 bankruptcy.
The flat rate charged by the Federal Bankruptcy Court for a Chapter 7 bankruptcy is $338. All Chapter 7 fees must be paid before the filing of the bankruptcy petition, including any fees charged by your Aurora Bankruptcy Attorney.
It’s important to note that when shopping for a bankruptcy attorney, any lawyer that accepts payments for attorney’s fees after the filing of a Chapter 7 bankruptcy is violating the automatic stay and discharge injunction provisions of the Bankruptcy Code. This is because attorney’s fees owed in a Chapter 7 case are no different than any other dischargeable, pre-petition debt – that is, they are discharged and cannot be collected once the case is filed.
The flat fee for filing a Chapter 13 bankruptcy in Colorado will cost $313.
If you’re unable to afford these fees, you can ask the court for permission to pay off the amount through installment payments. Rarely, the court will waive the filing fee if your income falls below the poverty line and you cannot afford payments.
Finally, you should be aware that these flat fees don’t include additional services you may require when filing for bankruptcy in El Paso. For example, any adversary proceedings during your petition can cost extra, as well as if you need to convert your filing from Chapter 7 to Chapter 13 (and vise versa) after you’ve already submitted the bankruptcy schedules. For a complete list of court-related bankruptcy costs, please visit The United States Bankruptcy Court-District of Colorado website.
As you can see, getting necessary legal assistance is not out of your financial reach thanks to the low flat fees charged by both the government and our Arapahoe County bankruptcy attorneys.
Everyone preparing to file for bankruptcy wants to know the cost. After all, bankruptcy usually comes at a time when money is tight.
That’s why our Aurora debt relief attorneys charge Chapter 7 and Chapter 13 bankruptcy clients a low flat fee. This fee will cover the necessary attorney and Court filing fees, so clients don’t have to worry about hidden charges. This is an important factor, as many law firms may quote you a lower initial fee to get you in the door and get your paperwork started, but they do not disclose all of their fees. With our experienced Aurora bankruptcy lawyers, you’ll know exactly what service to expect and what your affordable rate is going to be, there are no surprises.
Your fee will be determined during your free bankruptcy consultation with one of our knowledgeable legal professionals and is dependent on the complexity of your case. So contact us today and find out how we can help you get started on the path to financial freedom.