Answers to commonly asked questions from the experts on Thervo.
How much does a bankruptcy lawyer cost?
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.
Can I file bankruptcy without a lawyer?
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.
When would I need a bankruptcy lawyer?
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.
How long do bankruptcy cases take?
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.
What happens to my credit after a bankruptcy?
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.
How do I choose a bankruptcy lawyer?
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.
What questions should I ask a bankruptcy lawyer?
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?
Reviews for Centennial bankruptcy lawyers
Recent success stories from people in the Centennial area.
CHris H.
Fast, affordable, experts at what they do. I talked to many law offices before hiring an attorney - these ladies are at the top of their profession!
$799 BANKRUPTCY- Lounsberry Law Office
Bruce G.
Very impressed, Jill went way above what was expected. Caring & personable, Highly Recommended.
Law Office of Jill M. Jackson
Kori R.
There are no words to express my gratitude for Dan and Diane. I reached out to this firm through the messaging feature on the website for Gerash Steiner P.C. and immediately received a response and then Dan called me about 10 min later to go over the details of why I was wanting/retaining a lawyer. He was extremely empathetic, personable, realistic, professional, listened to my situation, and was most of all truly caring. He listened to my concerns and gave me a realistic expectation of his fees and what to expect before retainment was decided on both parties. I also spoke to Diane on multiple occasions before and after retaining Dan as my lawyer and she was just as empathetic, personable, realistic, professional, caring, and so reassuring which is what I needed most as well. I want to emphasize the fact that these two individuals gave me faith in a judicial system I lost faith in many years ago and they fought for me and what was right. I felt heard and validated by them both and it became a fact and justice was served on my behalf with their help and persistence so I recommend this firm and always will. This firm was also the very first one I looked at based on great reviews and ended up being my only one and Dan won my case. I know that is not always the case with situations but he and Diane will listen to you and truly make you feel like an actual human being and not just a case number. I am forever grateful and can not say enough good things for Dan and Diane for giving their undivided attention to me when I needed it and for going above and beyond to make sure the right thing was done in the interest of justice. Again, thank you both and for people reading this, YES you can TRUST them!
Gerash Steiner Blanton, P.C.
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