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The purpose of bankruptcy is to give a fresh start to those struggling with debt. By allowing you to discharge certain debts and create plans that fit your needs, bankruptcy can turn your financial position around and clear the way for a brighter financial future.
That’s all well and good, but you may be asking yourself- If I’m already deep in debt, how am I supposed to afford an expensive lawyer to handle my bankruptcy case?
That’s where our Colorado Springs debt relief attorneys come in. We offer low flat fees and payment plans for Chapter 7 and Chapter 13 bankruptcy cases so that you know upfront what we will do for you and what it’s going to cost you.
Don’t expect to get a lower quality of service or a less experienced attorney just because our fees are low. Our Colorado Springs bankruptcy attorneys are here to help from start to finish and will remain available whenever you have concerns or questions about your case.
You’re probably curious as to the cost to file your bankruptcy case. Obviously, if you are facing debts and considering bankruptcy, you’re not in a position to spend a lot of money on anything. The Federal Bankruptcy Code has taken this into account- it wouldn’t make much sense for people seeking debt relief through bankruptcy to have to pay outrageous fees to the government, especially if you can’t pay money you don’t have.
That’s why both the Federal Bankruptcy Code and our Colorado Springs bankruptcy attorneys offer low flat fees to file for bankruptcy in El Paso County. 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 is due before you even file for bankruptcy in Colorado Springs. Before you can petition the court for Chapter 7 or Chapter 13 bankruptcy, a Debtor Education course must be taken.
Additionally, once you have completed the Meeting of the Creditors, during your bankruptcy case, you will be required to take an additional class known as a Credit Counseling Course.
These courses can range from free to $500 each depending on where they are taken. If you have engaged a Colorado Springs bankruptcy attorney for your case, we can help you find an affordable option for both of these mandatory courses.
Once you’ve taken your Debtor Education class, 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 Colorado Springs Bankruptcy Attorney.
When shopping for a bankruptcy attorney, keep in mind that 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.
Lastly, you should be aware that these flat fees don’t include additional services you may require when filing for bankruptcy in Colorado Springs. 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.
Our Colorado Springs bankruptcy lawyers strive to make our top-notch bankruptcy expertise available to you in an affordable way without compromising our high level of service. That’s why we offer flat fees for El Paso county residents looking to file for Chapter 7 or Chapter 13 bankruptcy.
Deciding whether to file for bankruptcy is a tough choice. It can be easy for an already financially strapped person to talk themselves into “saving” money by choosing to file for bankruptcy in Colorado without the help of a Colorado Springs bankruptcy attorney. When you consider the cost to file for bankruptcy without an experienced El Paso County debt relief attorney, it’s important to remember that you get what you pay for. Filing for bankruptcy should serve as an investment in your financial future.
If you are looking for the cheapest way to file for bankruptcy, you can file pro se or without an attorney. However, we’ve found that ensuring that you have competent representation for your case is vital. Bankruptcy is a complicated process, and if any of the paperwork or procedures are incomplete or inaccurate, you don’t get the benefit of a do-over. While you may save
If you are looking for the cheapest way to file for bankruptcy, you can file pro se or without an attorney. However, we’ve found that ensuring that you have competent representation for your case is vital. Bankruptcy is a complicated process, and if any of the paperwork or procedures are incomplete or inaccurate, you don’t get the benefit of a do-over. While you may save yourself a nominal fee up-front from not paying for an attorney, you may cost yourself much more in the long run.
During court hearings, we often see folks who are attempting to represent themselves in their bankruptcy. But 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 seemingly “simple” Chapter 7 bankruptcy case.
Pro Se bankruptcy filers often misunderstand all the bankruptcy documents which need to be filed and by what date, which often results in the dismissal of their bankruptcy case for failure to timely file certain documents. Some folks end up losing assets that could have easily been protected if they had a Colorado Springs bankruptcy attorney to represent them.
Additionally, it’s also worth mentioning that filing for bankruptcy pro se is NOT free. You must still pay all of the associated fees to the court, as well as cover the cost of the credit counseling and debt education courses.
Our Colorado Springs bankruptcy attorneys have helped thousands of people in El Paso County and the surrounding area file for bankruptcy. As a debt relief law firm staffed by a team of experienced legal professionals, we can help you figure out your options for filing for bankruptcy, rebuilding your credit, and getting a fresh start.
Our Colorado Springs bankruptcy firm is full of honest, dedicated, and compassionate advocates who fight to help their clients get the fresh financial beginning that they deserve. We have handled thousands of cases with great success; our knowledgeable attorneys are able to eliminate debts completely or create repayment plans for those in need.
We know how difficult this process can be and we want you to feel at ease knowing that your case is being taken care of by such a skilled group as ours. Please contact us today for a no-obligation case consultation.