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 New Rochelle bankruptcy lawyers
Recent success stories from people in the New Rochelle area.
Tomi D.
Aregbesola Law understand you as a client and puts themselves in your shoes! They are fast, efficient and quite a breather to with. I will continue to use Aregbesola Law for ANY and EVERY legal need.
Aregbesola Law
Prakash P.
Gehi & Associates helped me for my wife’s green card process. I am very happy. He helped me unite me and wife. Thank you so much to the team at Gehi & Associates!!
Gehi and Associates
Blanca C.
She was my hero got me through one of the worst times of my life !
Diana Mohyi Attorney at Law P.C.
Janet Romero R.
Mr. Hernandez will give The code office back to help you it says accolades about him, and that mini attorneys are the same
Alejandro Hernandez Attorney at Law
Christina B.
He was very informative and punctual. He gave us a clear picture of what information was needed for our day in court and everything went smoothly. I would highly recommend his services.
Leonard J. Tarantino, Attorney at Law.
Vadim Z.
I hired Mike when I was in disastrous situation. I had an OP against me, I could not get access to my daughter, petitions for the sole custody and child support was filed by my ex.
After the first court appearance with Mike, OP was removed and I got temporary residential Custody. Right after, my ex created a criminal case against me. Mike helped me promptly to get all criminal charges dismissed and I got full temporary custody of the child.
Custody battle last over 2 years and all this time Mike was a grate help for me.
After Custody hearing that by itself last for a year I got permanent full Custody of the child despite that we got a new judge. Again, it would be impossible to achieve without Mike’s
A year later, we won an appeal filed by my ex.
It is not very common in our days that fathers get full custody especially when mothers do not overuse drugs or alcohol but I got it with grate Mike’s help.
Mike often gave me advises that saved me time and money. For example, he ended up the hearing right in time despite that I thought more time is required to bring more witnesses to convince the judge.
Mike available when I need him and answers to my messages / phone calls in time. His promptness saved me in number of situations in my high-conflict divorce.
He was transparent to me, did not hide anything.
Mike is a good strategist. For example, I accepted one of his advises that was not beneficial to me in a short term but played well at the end.
Mike was transparent to me, did not hide anything.
It does not mean that I put my fate in lawyer’s hands and stop thinking myself. I knew what I wanted and use Mike’s sharp mind, professional skills and experience of a trial lawyer in order to achieve the desirable outcome.
BARROWS LEVY PLLC
Ramon K.
It was absolutely a pleasure working with Alejandro Hernandez. Everything went smoothly. He took his time explaining everything in detail. I would definitely recommend using Alejandro Hernandez to my friends.
Alejandro Hernandez- Attorney at Law
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