A bankruptcy lawyer costs $600 to $4,000 total, depending on the lawyer's experience, your location, the complexity of your case, and which type of bankruptcy you file. A Chapter 7 bankruptcy discharges unsecured debt like personal loans, credit cards, and medical bills. Chapter 13 bankruptcy also discharges unsecured debt but creates payment plans for secured debt so you don't lose your home or car.

Filing fees cost $338 for a Chapter 7 bankruptcy or $313for Chapter 13. These fees are charged by the court itself and are the same regardless of your location.

You are allowed to file bankruptcy pro se, or without legal help, but your case is less likely to succeed. Lawyers have the experience and knowledge necessary to file paperwork quickly and correctly. An attorney can also help you decide which type of bankruptcy is best for you.

People file for bankruptcy for many different reasons, including:

• Medical bills
• Credit card debt
• Unemployment
• Divorce
• Unexpected emergencies

If you are unable to pay off your debt, you may want to consider speaking to a bankruptcy lawyer and make a debt relief plan.

Chapter 7 bankruptcy cases typically take 4 to 6 months, as long as the paperwork is filed correctly and there are no major delays. Selling property to pay off debt may cause a short delay.

Chapter 13 cases take much longer because they are contingent upon the payment plan the court makes for you. Most repayment plans take between 3 to 5 years.

A bankruptcy of any kind will show up on your credit report and stay there for a set period of time. Chapter 7 bankruptcies remain on your report for up to 10 years. After then, the bankruptcy will be discharged, and your score will go back up. Chapter 13 bankruptcies stay for up to 7 years, but your score may rise before then if you make consistent payments on your car or house.

Start by searching our list of bankruptcy lawyers, then:

• Get 3+ estimates from different firms to compare.
• Read reviews about previous cases on Thervo and Google.
• Choose a lawyer with a good reputation and experience.
• Verify that they passed the bar and are able to represent you.
• Choose a lawyer who makes you feel comfortable and at ease.
• Choose a firm that is conveniently located if possible.
• Get a written estimate and contract before any casework begins.
• · Follow a payment plan instead of making large payments up front.

When looking for a bankruptcy lawyer near you, consider asking the following questions:

• How long have you been practicing law?
• When did you pass the bar?
• Do you give free consultations?
• Are you able to take on new clients at this time?
• What are your rates? Do you charge by the hour, or do you have a flat rate?
• Will you give me a contract in writing?