Chapter 7 vs. Chapter 13​
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When people think of bankruptcy, people think of Ch. 7 aka a liquidation. Immediately 50% of the US population will not qualify to file a Ch. 7. Of the 50% that qualify, half of those people will not want to file a Ch. 7 because they will lose an important asset they could keep in a Ch. 13 like a house or a car.

So​​ 25% or less will qualify and want to file Ch. 7
Meaning 75% or more will actually file a Ch. 13​

Chapter 13
Upfront Cost: $313
$313 is the Ch. 13 court filing fee. That is the typical upfront cost this firm charges unless there is an extraordinary situation, for example a foreclosure occurring very soon. In those rarer cases this firm could ask all fees be paid upfront.
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Monthly Ch. 13 Payment:
$100 Minimum Payment
$2000+ Upper End Payment
$200 Average Payment
Ch. 13 monthly payment is different for every client. It is based on a formula that takes into account your income, your assets, and your debts. The Ch. 13 payment will pay out all attorneys fees for the case. These fees are set by the court.
Payment Time Frame: 36-60 months (3-5 years)
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Chapter 7
$2338

Chapter 7 fees do not have to be paid at once and can be paid in installments. However the Ch. 7 case cannot be filed until all the fees have been paid. You are not allowed to have any debts after the case is filed including to this law firm. Be aware you will not receive bankruptcy protection until the case is filed so sometimes it is best to go ahead and file the 13. For instance if you have an active garnishment.


Credit Counseling (7 & 13)
Course #1 (before the filing) $10
Course #2 (after the filing) $10
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