Filing Bankruptcy can give you a fresh start. Let the Law Office of Charles N. Kendall help you begin that journey to financial freedom today. Call us at 520-452-9022 now to schedule your free consultation.
What Does It Cost to File for Bankruptcy?
$335.00 to file a Chapter 7 bankruptcy, whether for one person or a married couple;
$310.00 to file a Chapter 13 bankruptcy. Attorney fees are not included in these amounts.
Please note - this does not include professional attorney's fees. Please call us at 520-452-9022 for flexible payment options.
LEGAL SERVICES PROVIDED
Your legal payment fee covers the following basic services:
1. Analysis of your financial situation and rendering advice and assistance to you in determining whether to file a bankruptcy petition;
2. Counseling you in preparing the petition, schedules and statements;
3. Counseling you with respect to the exemption of particular items or property;
4. Representation of you at the meeting of creditors;
5. Amending your bankruptcy papers to comport with developments which may have occurred before or at the meeting of creditors (there is a $50.00 fee for each amendment);
6. Negotiating, preparation and filing of reaffirmation agreements. The basic legal fee does not include representing you in any adversary proceeding (such as an objection to discharge) or contested matter (such as a Motion for Relief from the Automatic Stay) which may be filed by or against you. Such services, if any will be the subject of a separate retainer and fee.
Representation concludes when the court issues your discharge order or when your case is dismissed. If after retaining my services you decide not to pursue the filing of a bankruptcy petition, you will be billed for the work performed at my standard hourly rate of $250.00 per hour.
REMEMBER: The law changes often. Each case is different. This information is meant to give you general information and is not intended to give you specific advice.
FREE CREDIT REPORTS AVAILABLE
As of December 1, 2004, Federal law makes it possible to obtain a free copy of your credit report from each credit agency once a year.
HOW TO ORDER YOUR REPORT
By phone, 1-877-322-8228
By mail, send written requests to:
Annual Credit Report Request Service, PO
Box 105281, Atlanta, GA 30348-5281
Under the Fair and Accurate Credit Transactions Act, consumers can receive one free credit report yearly from each major credit bureau: Equifax, Experian and TransUnion. You can receive reports from all the bureaus with a single request or make separate requests to receive reports from each bureau at different times of the year.
You'll need to provide your name, birth date, Social Security number and current and previous address if you've moved in the past two years, as well as some credit information. Make sure you have some credit information (account numbers etc.) handy when you log in to get your credit report. If you do not have that information with you and try to log in at a later date you will have to request a different major credit bureau. TransUnion is our preference, however, if you need to log in a second time use Experian.
Remember you are printing the credit report not ordering it and it is free.
IF SUPPLYING A DIFFERENT CREDIT REPORT TO US, PLEASE CHECK THAT CREDITOR ADDRESSES ARE LISTED. WE NEED ADDRESSES FOR ALL CREDITORS.
IMPORTANT INFORMATION ABOUT BANKRUPTCY ASSISTANCE SERVICES FROM AN ATTORNEY
(This statement is required by 11 U.S.C. section 527(b))
If you decide to seek bankruptcy relief, you can represent yourself, you can hire an attorney to represent you, or you can get help in some localities from a bankruptcy petition preparer who is not an attorney.
THE LAW REQUIRES AN ATTORNEY OR BANKRUPTCY PETITION PREPARER TO GIVE YOU A WRITTEN CONTRACT SPECIFYING WHAT THE ATTORNEY OR BANKRUPTCY PETITION PREPARER WILL DO FOR YOU AND
HOW MUCH IT WILL COST?
Ask to see the contract before you hire anyone.
The following information helps you understand what must be done in a routine bankruptcy case to help you evaluate how much service you need.
Although bankruptcy can be complex, many cases are routine. Before filing a bankruptcy case, either you or your attorney should analyze your eligibility for different forms of debt relief available under the
Bankruptcy Code and which form of relief is most likely to be beneficial for you. Be sure "you" understand the relief you can obtain, and its limitations. To file a bankruptcy case, documents called a Petition, Schedules' and Statement of Financial Affairs, as well as in some cases a Statement of Intention need.to be prepared correctly and filed with the bankruptcy court. You will have to pay a filing fee to the bankruptcy court. Once your case starts, you will have to attend the required first meeting of creditors where, you may be, questioned by a court official called a 'trustee' and by creditors.
If you choose to file a chapter 7 case, you may be asked by a creditor to reaffirm a debt. You may want help deciding whether to do so. A creditor is not permitted to coerce you into reaffirming your debts.
If you choose to file a chapter 13 case in which you repay your creditors what you can afford over 3 to 5 years, you may also want help with preparing your chapter 13 plan and with the confirmation hearing on your plan which will be before a bankruptcy judge.
If you select another type of relief under the Bankruptcy Code other than Chapter 7 or Chapter 13, you will want to find out what should be done from someone familiar with that type of relief.
Your bankruptcy case may also involve litigation. You are generally permitted to represent yourself in litigation in bankruptcy court, but only attorneys, not bankruptcy petition preparers, can give you legal advice.
Notice to Clients Who Contemplate Filing Bankruptcy
The purpose of this Notice and The Statement Mandated by Section 527(b) of the Bankruptcy Code, which you have been provided as a separate document are to make you aware of some of your obligation should you file bankruptcy.
Note: This Notice and the Statement are required by legislation adopted by Congress in 2005 after intense lobbying by the credit industry. In our opinion they are designed to intimidate people who need debt relief under the Bankruptcy Code, and are based on the erroneous assumption that debtors are dishonest. So long as you are honest and meet the requirements set out under the law, you are entitled to debt relief. We can guide you through all the requirements of filing bankruptcy, so long as you provide us accurate and complete information.
You are notified as follows:
1. All information that you are required to provide with your bankruptcy petition and thereafter in your case is required to be complete, accurate, and truthful.
2. All your assets and all your liabilities are required to be completely and accurately disclosed in the documents filed to commence your case.
3. The value of each asset which is secured by a lien on such asset must be stated as the replacement value of such asset after reasonable inquire to establish such value. The replacement value means the replacement value on the date of the filing of the bankruptcy petition without deduction for costs of sale or marketing.
With respect to property acquired for personal, family, or household purposes, replacement value means the price a retail merchant would charge for property of that kind considering the age and condition of the property at the time value is determined.
4. After reasonable inquiry you are required to state your current monthly income as defined in the Bankruptcy Code. (Your attorney will assist you in this)
5. After reasonable inquiry you are required to state the amounts set out in Section 707(b) of the Bankruptcy Code. (Your attorney will assist you in this)
6. In a case under Chapter 13, after reasonable inquiry, you are required to state your disposable income determined in accordance with section 707(b)(2) of the Bankruptcy Code.
(Your attorney will assist you in this)
7. Information that you provide during your case may be audited pursuant to the provisions of the Bankruptcy Code. Your failure to provide information may result in dismissal of your case or other sanctions, including criminal sanctions. Disclosure Pursuant to 11 U.S.C. §527(a)(2)
You are notified:
1. All information that you are required to provide with a petition and thereafter during a case under the Bankruptcy Code is required to be complete, accurate, and truthful.
2. All assets and all liabilities are required to be completely and accurately disclosed in the documents filed to commence the case. Some places in the Bankruptcy Code require that you list the replacement value of each asset. This must be the replacement value of the property at the date of filing the petition, without deducting for costs of sale or marketing, established after a reasonable inquiry. For property acquired for personal, family, or household use, replacement value means the price a retail merchant would charge for property of that kind, considering the age and condition of the property.
3. The following information, which appear on Official Form 22, Statement of Current Monthly Income, are required to be stated after reasonable inquiry: current monthly income, the amounts specified in section 707(b)(2), and, in a case under chapter 13 of the Bankruptcy Code, disposable income (determined in accordance with section 707(b)(2)).
4. Information that you provide during your case may be audited pursuant to provisions of the Bankruptcy Code. Failure to provide such information may result in dismissal of the case under this title or other sanction, including criminal sanctions.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
The Law Office of Charles N. Kendall, Bankruptcy Attorney in Sierra Vista, Arizona and Nogales, Arizona, provide services and benefits under Title 11 of the united States Code.
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