At Sansone Howell, we understand how difficult times can be, especially when contemplating bankruptcy. Things can get even worse when you are being garnished, facing foreclosure or repossession, or having bank accounts levied. It can feel like hiring a good law firm to represent you is impossible, but there are options.
The first and best option is to file your Chapter 7 bankruptcy case as a “normal” or “full” petition. We charge a flat fee of $1,250.00 for filing your case this way. If you are unable to pay this fee in full upfront, it can be paid in installments. However, if you decide on this option, we cannot file your case until the $1,250.00 is paid in full. This option is best for clients who are not currently dealing with a wage garnishment or other emergency situation that requires a case to be filed as soon as possible.
Our second option is to file your Chapter 7 case as an “emergency petition”. If you decide on this option, you only have to pay $335.00 upfront to file your case. Once the case is filed, any garnishments will stop. Then you can pay your case off over 10 months at $120.00 per month. Although this option involves more work on our end and is slightly more expensive for you, it allows your case to be filed much faster than normal. Under this option, we provide various pre-filing services to you, including but not limited to an initial consultation and analysis of your financial situation, assistance in determining whether you should file a bankruptcy petition, and the preparation of your emergency petition. Then, after we file your case, we will perform various post-filing services, including but not limited to the preparation and filing of the remainder of your required post-filing bankruptcy documents, submitting the required paperwork to the trustee in a timely manner and providing you with legal representation at your required hearing. Although we carefully consider who should file a “full” versus “emergency” petition, this option allows you to stop a lawsuit or wage garnishment ultimately saving you money. When you need to file your bankruptcy fast, this is the best option.
All Chapter 13 cases are on a type of payment plan. We only require $500.00 upfront to file your case as a “normal petition”. However, unlike Chapter 7 cases, you do not pay us the remainder of your balance directly. Instead you will be paying indirectly through your bankruptcy case. The rest of your flat fee is paid out over time as you make the mandatory Chapter 13 plan payments to the Trustee.
Don’t wait for creditors to garnish you. Call Sansone Howell today to save your money and stop the lawsuits before garnishments can happen.