Families with financial difficulties and mounting debts
Those facing wage garnishments
Those dealing with unpaid taxes or credit card debt
Recipients of debt collector and creditor calls
Those behind on their mortgage or facing foreclosure on their homes
Those in need of alternatives to help them pay part or all of their debt, or catch up on their mortgages and/or car payments
Those facing substantial medical bills not covered by insurance
Those facing lawsuits or having judgments against them
If any of this sounds all too familiar, it is time to call
Bebout Law Firm to schedule your FREE initial bankruptcy consultation. In general, anyone can apply for bankruptcy, subject to limitations that we will discuss with you.
There are 4 types of bankruptcy individuals may file. Each has its own benefits and downsides, and each has its own requirements as well. In any case, it is best to consult with our dedicated staff to learn more about how your particular situation affects the options available to you.
What Does Bankruptcy Cost?
Before filing for bankruptcy, you must complete a credit counseling course with a federally approved credit counselor. While the fees may vary, they are typically $10 to $25 per person. As part of your FREE initial consultation
with our office, we'll gladly provide references for a reliable and affordable credit counselor.
After completing credit counseling, the court filing fees are $335 for Chapter 7 and $310 for Chapter 13. At least $100 of the filing fee must be paid at the time of the case filing. The remaining balance may be paid up to 120 days after the date of filing.
After filing, a debtor education course must be completed, also known as a "personal financial management" course. Like the initial credit counseling course, the cost may vary, but is typically $10 to $30. Again, we can make recommendations, or you may view a complete list of approved debtor education agencies.
Our fees for attorney services will be discussed during your FREE initial consultation, and are designed to be affordable and manageable for your particular financial situation. All attorney fees are disclosed to the court.
What Does Filing Do for You?
One of the most important aspects of filing for bankruptcy is the "automatic stay," which goes into effect as soon as you file for bankruptcy. It's a court order that protects you from creditors and any further actions to collect the debts that you owe. From lawsuits and wage garnishments to creditor harassment and foreclosures, everything will be put on hold in order to give you the time you need to regain your financial independence.
After you successfully complete the bankruptcy case, the court will grant you a discharge of most of your debts.
Some debts cannot be discharged:
Alimony, maintenance, and child support payments
Student loans unless there is a finding of hardship
Court fines and criminal restitution
Personal injury or damage caused as a result of driving under the influence of drugs or alcohol
Find Out More Today
Work with our dedicated office to learn more during your FREE initial consultation, or check out these great resources