The cost of your Chapter 7 or Chapter 13 case will depend on a variety of factors including:
- whether this is your first, second or subsequent filing
- whether you have recently incurred debt to taken any action that could result in a creditor or trustee objection
- how many creditors you owe and whether you owe creditors who frequently challenge bankruptcy cases
- whether you need an emergency filing
Ginsberg Law Offices is not a discount law firm. We do not charge as much as downtown law firms but we also do not file “no money down” cases. Our firm usually files 10 to 15 cases per month and we think that we provide better service that high volume “bankruptcy mill” firms that file 100, 200 or more cases per month.
Chapter 7: every Chapter 7 debtor must pay a court filing fee of $335. Attorney’s fees will range from $1,500 to $2,500 depending on the complexity of your case
Chapter 13: every Chapter 13 debtor must pay a filing fee of $310. Attorney’s fees will start at $4,500.
Does Ginsberg Law Office Offer Payment Plans?
Chapter 7: unfortunately, we can no longer offer payment plans that provide for payment after your case is filed. Bankruptcy judges in several states have ruled that attorneys may not collect fees after the Chapter 7 case has been filed. If an attorney offers to accept post dated checks or some other payment plan that attorney is doing something that is improper and you should think twice about doing business with such a firm
Chapter 13: the Chapter 13 law allows us to include attorney’s fees in your Chapter 13 plan. Generally, we ask for the filing fee + $600 up front, with the remaining fee included in the plan. If you are self employed, and cannot fund your plan with a payroll deduction, we may ask for more up front.