B. Additional Cost: Credit Counseling (Required)
1. Pre-filing -$30.00 per debtor
2. Post-filing-$8.00-$25.00 per debtor
Q. Why should I set up a consultation? How do I set up the consultation?
A. During the consultation we discuss other your options and whether bankruptcy is right for you based on your unique situation. You may set up an in person or telephone consultation. To schedule your initial meeting with our Attorney, you may either call 718-701-0095 or schedule your appointment online.
Q. Are payment plans available?
A. Yes, we will provide you with as much time as necessary to pay off the balance. A discount on the fees is available where full payment is made within thirty (30) days after the initial consultation. It is sort of an early bird special.
Q. I have heard that I can file bankruptcy without putting any money down is this correct?
A. No, the United States Bankruptcy Courts require that 100% of the Attorney and filing fees in a Chapter 7 bankruptcy case is paid prior to filing the bankruptcy, as to avoid a conflict of interest. Certain firms are filing fraudulent Chapter 13 bankruptcy petitions for their clients who qualify under chapter 7. The Chapter 13 bankruptcy is then converted to chapter 7 bankruptcy, once the client has made several payments under the chapter 13 plan. This is a very costly and dangerous method of filing because the case could potentially be dismissed or result in fraud allegations by the Bankruptcy Adminstrators and or Trustee’s office. Additionally, under a chapter 13 a client would potentially have to pay out thousands of dollars before the case is converted. It is a lot less expensive and legit to file one case under Chapter 7 if that is what you qualify for.
Q. What is included in the consultation?
A. We evaluate your assets/income/debts/ tax issues/ monthly budget during a sixty (60) minute confidential consultation. If you decide to the file the nominal consult fee goes toward our cost for pulling an extensive three (3) source all in one credit report.
Q. What are the benefits of filing for bankruptcy?
A. Here are a few you can stop/prevent :
- Intrusive Creditor calls / Mail
- Tax Liens
- Wage Garnishments
- Attachment of Bank Accounts
- Debt Lawsuits filed against you
- Avoid judgments
- Eviction of your rented home/apartment