It feels like a Catch-22, right? You’re considering bankruptcy because it’s impossible to keep up with your bills, yet you can’t figure out how you’ll afford bankruptcy. We get it. There are fees – including attorney fees – to consider. You might even be thinking about filing “pro se” (aka, on your own) in order to save money.
While you could go it alone, consider this: those who file for Chapter 13 bankruptcy pro se have only about a 2 percent chance of filing successfully. The statistics aren’t much better for Chapter 7 pro se filings. A study by the United States Bankruptcy Court, Central District of California showed that, in 2014, nearly a third of the Chapter 7 cases that were dismissed, were filed pro se (3.6 percent of attorney-represented cases were dismissed, compared to 27 percent of pro se cases).
The report cited administrative errors, such as missing filing deadlines and neglecting to file the correct paperwork, as top reasons for dismissal of cases filed pro se. Of course, an experienced bankruptcy attorney is well-versed in the administrative ins and outs of a bankruptcy filing and knows exactly what to file and when to file it.
We understand, though that even with the statistics being what they are, fees are an unavoidable reality when it comes to hiring an attorney. So here’s the good news:
- You can retain Robinson & Henry for $0 down. This means you don’t have to worry about coming up with a pricy retainer fee upfront.
- Our finance department will work with you to create a monthly payment plan.
- With Chapter 13 bankruptcy cases, you may be able to pay a portion of your attorney fees as part of your Chapter 13 repayment plan.
Robinson & Henry, P.C. is also big enough to expedite urgent fillings, though the cost in those cases is usually greater than that of less urgent cases. While the cost ultimately varies case-to-case, depending on factors like the difficulty of the case, the cost of hiring an attorney shouldn’t deter you from doing so.
Hiring an attorney is the first step toward finding relief from the stress, anxiety and sleepless nights debt can cause. And, while creditors aren’t required to stop contacting you until the bankruptcy filing is complete, most back off once you tell them you’ve retained an attorney.
Take the first step today. Call now to request a free consultation with a Robinson & Henry bankruptcy attorney in Castle Rock, Colorado Springs or Denver.