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If you are overwhelmed with debt and need help, please don’t let the balance of your bank account keep you from seeking legal help for your debt relief needs. Many people have a preconceived notion in their heads that all attorneys charge exorbitant fees to retain their services. But for our Lakewood bankruptcy attorneys, that just isn’t the case.
We realize that if you’re struggling with mortgage payments, credit card bills, and student loans, filing for bankruptcy and its associated costs are just another thing to worry about on top of your already full plate. To that end, our Lakewood bankruptcy lawyers have designed this webpage to clearly define all bankruptcy fees and costs associated with your bankruptcy filing.
The last thing you need in your current situation is another surprise fee that you can’t afford to pay. Once you’ve finished reading, please contact our Lakewood bankruptcy attorneys for a free case consultation. After our legal team has had a chance to go over the specifics of your case, we will present you with our affordable, flat fee, which will be designed with your budget in mind.
During a stressful, financially difficult time, many people who are considering bankruptcy often disregard the recommendation of the court to obtain legal counsel. Believe it or not, we can understand why that thought pops into people’s minds. After all, when you’re already facing such financial difficulty, why take on an additional expense?
If you are looking for the cheapest way to file for bankruptcy, you are allowed to file without an attorney, which is called filing pro se. And while a lawyer isn’t required to file for bankruptcy in Colorado, hiring the services of one is always a good idea.
The right attorney can do more than just help you figure out whether bankruptcy is the right debt relief option for you. 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.
When you file a bankruptcy case pro se, you are held to the same standards as an attorney, without the benefit of 30 combined years of experience our Lakewood bankruptcy attorneys offer. Oftentimes, pro se cases end in easily avoided disaster because the person was not aware of the many variables that affect a bankruptcy case.
Filing for bankruptcy in Jefferson County is more complicated than you think. Our Lakewood bankruptcy attorneys make it look easy, but that’s only because we’ve had decades of experience helping clients through Chapter 7 and Chapter 13 bankruptcy.
We can help you too. Filing for bankruptcy without the help of an experienced Lakewood debt relief lawyer can be a very costly mistake. We will help you prepare for and avoid problems, while only charging you an affordable flat fee with no hidden costs.
When filing for bankruptcy in Colorado, you can expect two types of expenses: an attorney’s fee and the fees set by the bankruptcy court. Our Lakewood bankruptcy attorneys offer a flat fee for petitioners seeking debt relief through Chapter 7 or Chapter 13 bankruptcy. The amount of our attorney’s fee is dependent upon several factors, including your income, the chapter of the federal bankruptcy code used, and the complexity of the case. When you contact our Lakewood bankruptcy attorneys for your free case consultation, we will let you know what your fee will be after going over the specifics of your case.
The assorted fees charged by the government for filing for bankruptcy in Colorado are pretty straightforward.
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 need assistance locating an affordable option for these required classes, remember that your experienced Lakewood bankruptcy attorneys 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 Lakewood Bankruptcy Attorney.
If you’re still shopping around for a lawyer to help you with your bankruptcy petition, you should be aware that it’s unlawful for any attorney to request payment once your bankruptcy case is settled.
In Colorado, 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.
If you and your Lakewood bankruptcy lawyer have decided that Chapter 13 bankruptcy is a better option than Chapter 7, 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. Additionally, the court will waive the filing fee if your income falls below the poverty line and you cannot afford payments, although this happens only rarely. To see if you qualify for a payment plan or a filing fee waiver, please contact our Lakewood bankruptcy attorneys to discuss the details of your case.
It’s worth mentioning that the flat fees listed above don’t include additional services you may require when filing for bankruptcy in Lakewood. For example, if you need to convert your filing from Chapter 7 to Chapter 13 (and vice versa) after you’ve already submitted the bankruptcy schedules, this will cost an extra fee.
Additionally, if you are involved in any adversary proceedings during your bankruptcy case, there will be other fees attached to your filing. For a complete list of court-related bankruptcy costs, please visit The United States Bankruptcy Court-District of Colorado website.
We recognize that overwhelming debt can cause Jefferson County residents strain. If you’re already struggling to pay your mortgage, car payment, or overdue utility bills, how can you be expected to afford a bankruptcy attorney?
That’s why our firm offers a low, flat fee for Lakewood residents seeking debt relief through Chapter 7 or Chapter 13 bankruptcy. When you eliminate your debt obligations through bankruptcy, you immediately simplify your life.
Let us help you avoid foreclosure or wage garnishment due to unpaid debt. Our Lakewood bankruptcy attorneys are ready and committed to making your financial freedom a reality. Don’t wait until it is too late. For bankruptcy cases in Jefferson County, the quicker you file, the sooner you will become protected from creditor harassment and repossession. Please contact us today to receive your free, no-obligation case consultation.