How much does it cost to file?
The filing fee for a Chapter 7 is $299.00 and a Chapter 13 is $274.00. There are also Attorney's fees, which can be quoted over the phone if you call our office.

 

How long does it stay on your credit record?
Chapter 7 and Chapter 13 stay on your credit report for ten years.

 

How long is the bankruptcy process?
An average Chapter 7 case is completed within four months. Chapter 13, because it is a repayment plan, runs no longer than five years.

 

Do I have to go to court?
You must attend one hearing when filing. It is just a brief review of your case and only takes a few minutes.

 

Will I lose my house or car?
Your homestead and vehicle are usually protected. If it has a loan against it you will need to continue making the monthly payments in order to keep it.

 

Can they come in my house and take anything?
The job of your attorney is to protect the things that you have. If you have something that will not be protected when you file, we will let you know what your options are.